This Loan Agreement Contract is essential for any lending transaction under Indonesian law, whether for corporate financing, project development, or personal loans. It serves as the primary document governing the lending relationship between financial institutions and borrowers in Indonesia, incorporating mandatory requirements from the Indonesian Civil Code, Banking Law, and relevant OJK regulations. The agreement is particularly important as it establishes legally binding obligations for loan disbursement, repayment terms, security arrangements, and default provisions. It must be drafted in compliance with Indonesian financial services regulations while considering practical aspects of loan administration and monitoring. The document is typically used when establishing new lending facilities, refinancing existing loans, or structuring syndicated lending arrangements in the Indonesian market.
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1. Parties: Identification of the lender and borrower with complete legal names and addresses
2. Background: Context of the loan agreement and brief description of the parties' intentions
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds
5. Interest Rate and Calculations: Details of interest rate, calculation method, and payment periods
6. Repayment Terms: Schedule and method of repayment, including principal and interest payments
7. Conditions Precedent: Conditions that must be satisfied before the loan is disbursed
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances that constitute default and consequences thereof
11. Payments and Calculations: Details of payment mechanics, currency, and calculation conventions
12. Notices: Process and addresses for formal communications between parties
13. Governing Law and Jurisdiction: Specification of Indonesian law as governing law and jurisdiction for disputes
14. Execution: Signature blocks and execution requirements
1. Security Arrangements: Required when the loan is secured by collateral or guarantees
2. Guarantor Provisions: Included when there is a third-party guarantor for the loan
3. Insurance Requirements: Needed when specific insurance coverage is required for secured assets
4. Syndication Provisions: Required for syndicated loans involving multiple lenders
5. Tax Provisions: Detailed tax clauses when cross-border elements or specific tax considerations exist
6. Currency Exchange Provisions: Required when loan or repayments involve foreign currency
7. Assignment and Transfer: Included when parties want to allow for potential transfer of loan rights
8. Force Majeure: Specific provisions for unforeseen circumstances affecting loan performance
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Condition Precedent Documents: List of required documents to be provided before loan disbursement
3. Security Details: Detailed description of any collateral or security arrangements
4. Form of Drawdown Notice: Template for borrower to request loan disbursement
5. Form of Compliance Certificate: Template for periodic compliance reporting
6. Interest Calculation Examples: Examples showing how interest will be calculated
7. Required Insurance: Details of required insurance coverage for secured assets
8. Permitted Security Interests: List of pre-approved security interests or liens
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Real Estate & Property Development
Manufacturing
Infrastructure & Construction
Energy & Resources
Agriculture & Plantation
Technology & Telecommunications
Retail & Consumer Goods
Healthcare & Pharmaceuticals
Transportation & Logistics
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Credit Analysis
Corporate Finance
Banking Operations
Documentation
Loan Administration
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Credit Risk Manager
Corporate Finance Manager
Treasury Manager
Loan Officer
Relationship Manager
Credit Analyst
Legal Director
Company Secretary
Contract Manager
Risk Manager
Banking Operations Manager
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