The Personal Loan Agreement serves as a legally binding document under Indonesian law for establishing and managing personal loan arrangements between parties. This document is essential when individuals or entities seek to formalize lending arrangements, whether through financial institutions, peer-to-peer platforms, or private lenders. It ensures compliance with Indonesian financial regulations, including OJK requirements and the Civil Code (KUHPerdata), while protecting both lender and borrower interests. The agreement typically includes comprehensive details about loan terms, repayment schedules, interest calculations, and default provisions, making it suitable for various lending scenarios from simple personal loans to more complex secured lending arrangements.
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1. Parties: Identification of the lender and borrower with complete legal names, addresses, and identity card numbers (KTP)
2. Background: Brief context of the loan arrangement and the parties' intention to enter into this agreement
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and intended purpose of the loan
5. Interest Rate: Clear statement of the interest rate, calculation method, and payment frequency
6. Term and Repayment: Loan duration, repayment schedule, and payment methods
7. Security and Collateral: Details of any assets provided as security for the loan
8. Representations and Warranties: Statements of fact and assurances from the borrower regarding their capacity to enter into and perform the agreement
9. Borrower's Obligations: Key responsibilities and commitments of the borrower
10. Events of Default: Circumstances that constitute default and their consequences
11. Remedies: Lender's rights and remedies in case of default
12. Notices: Process and addresses for formal communications between parties
13. Governing Law: Confirmation of Indonesian law as governing law and jurisdiction
14. Execution: Signature blocks and execution requirements
1. Guarantor Provisions: Required when a third party guarantees the loan, detailing guarantor's obligations and liabilities
2. Insurance Requirements: Include when the borrower must maintain specific insurance coverage for secured assets
3. Early Repayment: Terms for early loan repayment, including any penalties or calculations, if permitted
4. Assignment and Transfer: Include if either party may need to transfer their rights or obligations
5. Force Majeure: Include for longer-term loans to address unforeseen circumstances affecting performance
6. Debt Collection Practices: Include when specific debt collection procedures need to be agreed upon
7. Electronic Communications: Include when parties agree to use electronic means for notices and payments
1. Repayment Schedule: Detailed table of payment dates, amounts, and allocation between principal and interest
2. Collateral Details: Comprehensive description and documentation of any assets provided as security
3. Know Your Customer (KYC) Documentation: Copies of required identification documents and proof of address
4. Guarantor Information: Details and documentation of guarantor if applicable
5. Loan Disbursement Instructions: Bank account details and disbursement requirements
6. Insurance Certificates: Copies of required insurance policies and certificates where applicable
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Banking
Consumer Lending
Microfinance
Peer-to-Peer Lending
Insurance
Legal Services
Real Estate
Retail Banking
Personal Banking
Relevant Teams
Legal
Compliance
Credit Risk
Personal Banking
Loan Operations
Document Management
Collections
Customer Service
Risk Management
Financial Advisory
Relevant Roles
Loan Officer
Credit Manager
Legal Counsel
Compliance Officer
Risk Manager
Financial Advisor
Branch Manager
Credit Analyst
Collections Manager
Relationship Manager
Personal Banking Manager
Notary Public
Document Controller
Legal Administrator
Financial Services Manager
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