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1. Parties: Identification and details of all parties to the agreement, including their legal status and authority to enter into the agreement
2. Background: Context of the agreement, relationship between parties, and purpose of the financial arrangement
3. Definitions and Interpretation: Definitions of key terms used in the agreement and rules for interpreting the agreement
4. Facility Amount and Purpose: Details of the financial facility being provided and its intended use
5. Conditions Precedent: Conditions that must be satisfied before the agreement becomes effective or funds are disbursed
6. Disbursement Terms: Procedures and conditions for disbursement of funds
7. Repayment Terms: Schedule and methods of repayment, including principal and interest calculations
8. Interest and Fees: Interest rates, calculation methods, and all applicable fees
9. Security: Details of any security or collateral provided to secure the financial obligations
10. Representations and Warranties: Statements of fact and assurances given by each party
11. Covenants: Ongoing obligations and restrictions on the parties during the term of the agreement
12. Events of Default: Circumstances that constitute default and their consequences
13. Termination: Conditions and procedures for terminating the agreement
14. Governing Law and Jurisdiction: Specification of Indonesian law as governing law and jurisdiction for disputes
15. Notices: Procedures for giving formal notices under the agreement
16. General Provisions: Standard boilerplate clauses including amendments, assignments, and severability
1. Currency Provisions: Required when dealing with foreign currency transactions, specifying exchange rates and currency risk allocation
2. Islamic Finance Provisions: Required when the agreement needs to comply with Sharia principles
3. Regulatory Compliance: Detailed section needed when the transaction requires specific regulatory approvals or compliance
4. Tax Provisions: Detailed section needed when complex tax implications exist or cross-border elements are involved
5. Electronic Transaction Terms: Required when the agreement involves electronic disbursements or digital banking services
6. Insurance Requirements: Required when specific insurance coverage is needed for the financial facility
7. Syndication Provisions: Required when multiple lenders are involved or syndication is contemplated
1. Schedule 1 - Facility Details: Detailed terms of the financial facility including amounts, interest rates, and payment schedules
2. Schedule 2 - Conditions Precedent Documents: List of all documents required before the agreement becomes effective
3. Schedule 3 - Security Details: Detailed description of all security or collateral provided
4. Schedule 4 - Disbursement Schedule: Timeline and conditions for staged disbursements if applicable
5. Schedule 5 - Form of Drawdown Notice: Standard form for requesting disbursements
6. Schedule 6 - Calculation of Interest and Fees: Detailed methodology for calculating interest and other fees
7. Appendix A - Required Regulatory Approvals: List of necessary regulatory approvals and compliance requirements
8. Appendix B - Form of Compliance Certificate: Standard form for periodic compliance certification
Banking
Financial Services
Insurance
Real Estate
Manufacturing
Agriculture
Mining
Technology
Retail
Infrastructure
Energy
Transportation
Healthcare
Education
Telecommunications
Construction
Hospitality
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Banking
Credit Administration
Operations
Corporate Secretariat
Internal Audit
Business Development
Account Management
Investment
Corporate Affairs
Regulatory Affairs
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Secretary
Treasury Manager
Financial Controller
Risk Manager
Compliance Officer
Credit Manager
Investment Manager
Account Manager
Business Development Manager
Corporate Banking Manager
Legal Director
Managing Director
Finance Manager
Operations Director
Senior Accountant
Financial Analyst
Credit Analyst
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