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The Peer To Peer Loan Agreement is essential for documenting and formalizing lending relationships in Indonesia's growing digital financial services sector. This agreement is specifically designed for use when individuals or institutions wish to lend money to borrowers through regulated P2P lending platforms under Indonesian law. It incorporates all necessary elements required by OJK regulations, including mandatory disclosures, risk statements, and consumer protection provisions. The document is structured to accommodate both secured and unsecured lending arrangements and includes provisions for electronic execution as permitted under Indonesian law. It's particularly relevant for fintech platforms operating under OJK supervision and their users, ensuring compliance with regulations while facilitating efficient digital lending transactions.

1. Parties: Identification of the Lender and Borrower, including complete legal names, addresses, and identification numbers as required by OJK regulations

2. Background: Context of the agreement, including the purpose of the loan and the P2P lending platform through which the loan is facilitated

3. Definitions: Definitions of key terms used throughout the agreement, including technical terms related to P2P lending

4. Loan Amount and Purpose: Specification of the principal loan amount, currency, and permitted use of funds

5. Interest Rate and Fees: Details of interest rate calculation, platform fees, and other applicable charges

6. Term and Repayment: Loan duration, repayment schedule, and payment mechanisms

7. Disbursement: Conditions for and method of loan disbursement

8. Representations and Warranties: Statements of fact and assurances from both parties

9. Borrower's Obligations: Key responsibilities and commitments of the borrower

10. Events of Default: Circumstances constituting default and consequences thereof

11. Termination: Conditions and procedures for early termination

12. Electronic Transactions: Provisions regarding the validity of electronic documentation and signatures

13. Governing Law and Dispute Resolution: Application of Indonesian law and method of resolving disputes

14. Notices: Methods and requirements for formal communications between parties

15. General Provisions: Standard boilerplate clauses including severability, entire agreement, and amendments