An Acknowledgement of Loan Letter is a crucial document used in Indonesian lending transactions to formally document the existence and terms of a loan. This document is commonly used when parties need to create a clear record of a loan transaction, whether in a business or personal context. It serves as evidence of the debt and can be particularly important in situations where the original loan agreement is informal or verbal. The document must comply with Indonesian legal requirements, including proper execution and stamp duty requirements under Law No. 13 of 1985. It typically includes essential information such as loan amount, receipt date, repayment terms, and interest rates. The Acknowledgement of Loan Letter can be used for various purposes, from documenting personal loans to supporting business transactions, and can be particularly valuable for audit trails, tax documentation, or potential dispute resolution.
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1. Date and Place: Current date and location where the letter is executed
2. Addressee Details: Full name and address of the lender
3. Subject Line: Clear indication that this is an acknowledgement of loan
4. Loan Amount Declaration: Clear statement of the principal amount borrowed, including both numerical and written forms
5. Loan Details: Date when the loan was received and method of transfer/receipt
6. Repayment Terms: Clearly stated repayment schedule, including due date and payment method
7. Interest Statement: Declaration of any applicable interest rate and calculation method
8. Acknowledgement Statement: Formal acknowledgement of the debt and promise to repay
9. Signature Block: Space for borrower's signature, name, and details
1. Purpose of Loan: Statement of how the borrowed funds will be or were used - include when required by lender or for specific loan types
2. Security Details: Description of any collateral or security provided - include if loan is secured
3. Witness Section: Space for witness signatures and details - include when required by lender or for larger loan amounts
4. Co-borrower Details: Information and signature space for any co-borrowers - include if there are multiple borrowers
5. Default Provisions: Consequences of late payment or default - include for more formal or larger loans
6. Governing Law Statement: Explicit statement about Indonesian law governing the letter - include for more formal loans or when involving foreign parties
1. Payment Schedule: Detailed breakdown of payment dates and amounts if involving multiple installments
2. Collateral List: Itemized list and description of any security/collateral provided for the loan
3. Supporting Documents: Copies of relevant transfer receipts, bank statements, or other proof of loan disbursement
Relevant legal definitions
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Microfinance
Real Estate
Construction
Manufacturing
Retail
Agriculture
Technology
Small and Medium Enterprises
Professional Services
Education
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Relevant Teams
Legal
Finance
Accounting
Treasury
Credit Control
Risk Management
Compliance
Administration
Corporate Secretarial
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Relevant Roles
Chief Financial Officer
Finance Manager
Accountant
Legal Counsel
Company Secretary
Credit Manager
Loan Officer
Financial Controller
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