The Loan Master Agreement serves as a foundational document for establishing an ongoing lending relationship between financial institutions and borrowers in Indonesia. It provides a comprehensive framework that governs multiple loan transactions, eliminating the need to negotiate general terms and conditions for each individual loan. The agreement is structured to comply with Indonesian banking regulations, including OJK requirements, Bank Indonesia regulations, and the Indonesian Civil Code. It typically includes provisions for multiple drawdowns, various types of facilities (term loans, revolving facilities), security arrangements, and enforcement mechanisms. This master agreement format is particularly useful for corporate borrowers requiring regular access to financing and for financial institutions managing multiple loan facilities with the same borrower. The document incorporates mandatory Indonesian law provisions while maintaining flexibility to accommodate specific commercial terms for each utilization.
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1. Parties: Identification of the lender and borrower, including registration details as required by Indonesian law
2. Background: Context of the agreement and relationship between parties
3. Definitions and Interpretation: Comprehensive definitions of terms used and interpretation rules
4. Facility: Details of the loan facility, including type, purpose, and maximum amount
5. Conditions Precedent: Conditions that must be satisfied before any utilization
6. Utilization: Process and requirements for requesting and making loans under the facility
7. Interest: Interest calculation, periods, and payment provisions
8. Repayment: Terms for repayment of principal and prepayment provisions
9. Representations and Warranties: Standard representations required under Indonesian law and banking regulations
10. Covenants: Positive and negative undertakings of the borrower
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Rules for assignment and transfer
13. Administration: Operational aspects including notices and calculations
14. Governing Law and Enforcement: Choice of Indonesian law and enforcement provisions
1. Security: Required if the facility is secured, detailing security arrangements and fiduciary requirements under Indonesian law
2. Guarantee: Required if there are guarantors, including corporate guarantees
3. Currency Provisions: Required for facilities in foreign currency, addressing exchange rate risks and Indonesian currency law compliance
4. Increased Costs and Tax: Optional provisions for managing changes in regulatory costs and tax implications
5. Market Disruption: Optional provisions for managing market disruption events
6. Multi-currency Provisions: Required if the facility allows multiple currencies
7. Syndication Provisions: Required for syndicated facilities, including agency and majority lender provisions
1. Form of Utilization Request: Standard form for requesting loans under the facility
2. Conditions Precedent Documents: List of required documents and evidence
3. Form of Compliance Certificate: Template for periodic compliance certification
4. Calculation of Interest and Fees: Detailed methodology for calculations
5. Form of Transfer Certificate: Standard documentation for transfers
6. Existing Security (if applicable): Details of any existing security arrangements
7. Contact Details: Administrative and notice details for all parties
8. Form of Accession Deed: For additional borrowers or guarantors joining the facility
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Infrastructure
Real Estate
Manufacturing
Mining
Energy
Telecommunications
Agriculture
Retail
Construction
Transportation
Healthcare
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Banking
Credit Analysis
Loan Administration
Documentation
Corporate Finance
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Secretary
Risk Manager
Compliance Officer
Banking Relationship Manager
Credit Officer
Finance Manager
Corporate Banking Officer
Loan Officer
Senior Legal Manager
Treasury Director
Financial Controller
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