The Demand Loan Agreement is commonly used in Indonesian business practices where flexible, short-term financing is required. This type of agreement is particularly suitable for working capital needs, bridge financing, or temporary funding requirements. The document establishes the terms under which a lender provides funds to a borrower, with the distinctive feature that the entire outstanding amount becomes repayable upon the lender's demand. The agreement must comply with Indonesian banking laws, particularly Law No. 7 of 1992 on Banking (as amended) and relevant OJK regulations. It typically includes provisions for interest calculation, security arrangements (if any), events of default, and enforcement mechanisms, all structured within the framework of Indonesian civil law and financial regulations. The Demand Loan Agreement is especially valuable for businesses seeking flexible funding solutions while operating within Indonesia's legal and regulatory environment.
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1. Parties: Identification of the lender and borrower with their complete legal names, addresses, and registration details
2. Background: Context of the loan agreement and brief description of the parties' intention to enter into a demand loan arrangement
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Disbursement: Specification of the loan amount, currency, and disbursement procedures
5. Interest: Interest rate, calculation method, and payment terms in compliance with Indonesian regulations
6. Repayment: Terms for repayment, including the demand nature of the loan and payment procedures
7. Representations and Warranties: Standard declarations by the borrower regarding their legal status, capacity, and financial condition
8. Covenants: Positive and negative obligations of the borrower during the loan period
9. Events of Default: Circumstances that constitute default and their consequences
10. Taxes: Treatment of taxes and duties related to the loan
11. Notices: Communication procedures between parties
12. Governing Law and Jurisdiction: Specification of Indonesian law as governing law and jurisdiction for disputes
13. Execution: Signature blocks and execution requirements
1. Security: Details of any collateral or security arrangements, used when the loan is secured
2. Guarantees: Terms of any personal or corporate guarantees, included when third-party guarantors are involved
3. Insurance: Insurance requirements for secured assets, included when collateral is involved
4. Assignment and Transfer: Rights to assign or transfer the loan, included for more complex lending arrangements
5. Additional Representations: Industry-specific representations, included based on borrower's business nature
6. Force Majeure: Provisions for unforeseen circumstances, included for longer-term arrangements
7. Costs and Expenses: Allocation of legal and administrative costs, included for larger loans
8. Anti-Money Laundering: AML compliance provisions, included for regulated lenders
9. Currency Indemnity: Protection against currency fluctuations, included for foreign currency loans
1. Conditions Precedent: List of documents and conditions required before loan disbursement
2. Form of Disbursement Request: Standard format for requesting loan disbursement
3. Repayment Schedule: If applicable, any agreed payment schedules or milestones
4. Security Details: Detailed description of any security or collateral
5. Calculation of Interest: Detailed methodology for interest calculation
6. Form of Demand Notice: Standard format for demanding repayment
7. Authorized Signatories: List of persons authorized to act on behalf of each party
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Manufacturing
Real Estate and Property
Trade and Commerce
Agriculture
Mining and Resources
Technology and Communications
Transportation and Logistics
Retail
Construction
Healthcare
Hospitality and Tourism
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Finance
Credit Administration
Operations
Business Development
Company Secretarial
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Credit Risk Manager
Corporate Finance Manager
Banking Relationship Manager
Loan Officer
Financial Controller
Company Secretary
Credit Analyst
Risk Assessment Officer
Account Manager
Business Development Manager
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