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The Discount Promissory Note is a fundamental financial instrument in Indonesian commercial practice, commonly used in trade finance and business transactions. It serves as a debt instrument where the holder receives a note at a discount from its face value, effectively creating an investment opportunity through the difference between the purchase price and the maturity value. This document type is governed by Indonesian law, specifically the Commercial Code (KUHD) and relevant Bank Indonesia regulations. It's particularly useful in situations where businesses need short-term financing or want to monetize future receivables. The note must contain specific elements to be legally valid and negotiable under Indonesian law, including clear payment terms, parties' details, and discount calculations. Uses range from trade financing to general commercial transactions, making it a versatile instrument in Indonesian business practice.

1. Promise to Pay Statement: Clear and unconditional promise to pay a specific sum of money, including the face value and discounted amount

2. Parties Information: Full legal names and addresses of both the maker (issuer) and the payee

3. Payment Terms: Specific amount, currency, discount rate, maturity date, and payment location

4. Date and Place of Issuance: When and where the note was issued

5. Interest Rate: Statement of any applicable interest rate post-maturity

6. Payment Method: Specified means of payment and banking details

7. Negotiability Statement: Clear statement that the note is negotiable and payable to order or bearer

8. Governing Law: Statement that the note is governed by Indonesian law