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1. Parties: Identification of the lender(s), borrower(s), and any guarantors or security providers
2. Background: Context of the facility and purpose of the loan
3. Definitions and Interpretation: Defined terms used throughout the agreement and rules of interpretation
4. The Facility: Details of the loan facility, including amount, purpose, and availability period
5. Conditions Precedent: Conditions that must be satisfied before drawdown
6. Drawdown: Process and requirements for utilization of the facility
7. Interest: Interest rate, calculation method, and payment provisions
8. Repayment: Terms of repayment including schedule, prepayment, and mandatory prepayment
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Covenants: Positive and negative undertakings of the borrower
11. Events of Default: Circumstances constituting default and consequences
12. Security: Overview of security arrangements for the facility
13. Changes to Parties: Provisions regarding assignment and transfer rights
14. Administration: Administrative provisions including notices and calculations
15. Governing Law and Enforcement: Choice of law and jurisdiction provisions
1. Syndication Provisions: Required for syndicated facilities with multiple lenders, covering voting rights and agent's role
2. Currency Provisions: Required for facilities in foreign currency or with multiple currency options
3. Islamic Finance Provisions: Required when the facility needs to comply with Sharia principles
4. Tax Gross-Up: Required when tax implications need specific treatment
5. Increased Costs: Required when regulatory changes might affect the lender's costs
6. Market Disruption: Required for facilities with floating rates to address market disruption scenarios
7. Regulatory Compliance: Required when specific OJK or BI regulations need detailed compliance provisions
8. Multi-borrower Provisions: Required when there are multiple borrowers under the facility
1. Form of Drawdown Request: Template for borrower to request utilization of the facility
2. Conditions Precedent Documents: Detailed list of required documents and conditions
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Form of Transfer Certificate: Template for transferring participation in the facility
5. Security Documents: List and copies of all security documents
6. Financial Covenants: Detailed financial ratios and calculations
7. Authorized Signatories: List of persons authorized to act for each party
8. Form of Compliance Certificate: Template for periodic compliance certification
9. Fee Schedule: Detailed breakdown of all applicable fees
10. Corporate Structure: Organization chart of borrower group if relevant
Banking and Financial Services
Real Estate and Property Development
Manufacturing
Infrastructure and Construction
Energy and Resources
Technology and Telecommunications
Agriculture and Plantation
Healthcare
Retail and Consumer Goods
Transportation and Logistics
Mining
Hospitality and Tourism
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Secretariat
Credit Administration
Corporate Finance
Operations
Board of Directors
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Secretary
Risk Manager
Compliance Officer
Banking Relationship Manager
Credit Officer
Finance Manager
Commercial Director
Chief Executive Officer
Corporate Finance Manager
Investment Manager
Account Manager
Loan Officer
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