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The Investment Loan Agreement is a crucial document used in Indonesian financing transactions where a lender provides medium to long-term funding for investment purposes such as capital expenditure, business expansion, or project development. The agreement must comply with Indonesian banking regulations, investment laws, and the Civil Code (KUH Perdata). It typically includes detailed provisions on loan disbursement, security arrangements, regulatory compliance, and foreign investment requirements where applicable. This document is particularly important in the Indonesian context due to specific regulatory requirements around foreign lending, mandatory use of Indonesian language in certain circumstances, and central bank reporting obligations. The agreement serves as the primary document governing the relationship between lenders and borrowers in investment financing transactions.

1. Parties: Identification of the lender and borrower with complete legal names and addresses

2. Background: Recitals explaining the context of the loan and the parties' intentions

3. Definitions and Interpretation: Definitions of key terms and interpretation rules for the agreement

4. The Facility: Core loan terms including amount, purpose, and availability period

5. Conditions Precedent: Conditions that must be satisfied before drawdown

6. Drawdown: Procedures and requirements for utilizing the loan

7. Interest: Interest rate, calculation method, and payment provisions

8. Repayment: Terms for repayment of principal and payment schedule

9. Prepayment: Provisions for early repayment and any associated penalties

10. Representations and Warranties: Statements of fact and assurances from the borrower

11. Covenants: Positive and negative obligations of the borrower during the loan term

12. Events of Default: Circumstances constituting default and consequences

13. Changes to Parties: Rules for assignment and transfer of rights

14. Payment Mechanics: Technical provisions for making payments

15. Tax Provisions: Allocation of tax liabilities and withholding requirements

16. Costs and Expenses: Allocation of transaction costs and ongoing expenses

17. Notices: Communication procedures between parties

18. Governing Law and Jurisdiction: Choice of Indonesian law and dispute resolution provisions