A Personal Promissory Note is commonly used in Indonesia when one party needs to formally document a promise to repay a debt to another party. This document, governed by the Indonesian Civil Code and relevant banking regulations, provides a legally binding commitment for debt repayment. It's particularly useful in situations involving personal loans, business transactions, or installment payments where formal documentation is needed but a more complex loan agreement isn't necessary. The document must include proper stamp duty as per Indonesian law and should clearly state the payment amount, terms, and parties involved. Personal Promissory Notes are widely accepted in Indonesian business and personal transactions as evidence of debt and can be used for enforcement in case of default.
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1. Date and Place of Execution: Specific date and location where the promissory note is executed
2. Maker's Details: Full legal name, address, and identification details of the person making the promise to pay
3. Payee's Details: Full legal name, address, and identification details of the person to whom the payment is promised
4. Promise to Pay: Clear and unconditional promise to pay a specific sum of money
5. Payment Amount: The principal amount in both numbers and words
6. Payment Terms: Due date(s), whether paid in installments or lump sum, and payment method
7. Interest Rate: Applicable interest rate (if any) and calculation method
8. Signature Block: Space for maker's signature, witness signatures if required
1. Late Payment Penalties: Include when parties want to specify penalties for delayed payments
2. Prepayment Terms: Include when early payment is allowed and any associated conditions
3. Security/Collateral: Include when the note is secured by specific assets
4. Witness Details: Include when witnesses are required or desired for additional verification
5. Default Provisions: Include specific consequences and remedies in case of default
6. Governing Law Statement: Include when there might be jurisdictional questions or for additional clarity
1. Payment Schedule: If installment payments are involved, details of payment dates and amounts
2. Collateral Description: If security is provided, detailed description of the collateral assets
3. Copy of ID Documents: Copies of official identification documents of the maker and payee
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Banking
Real Estate
Small Business
Retail
Professional Services
Agriculture
Manufacturing
Construction
Personal Lending
Relevant Teams
Legal
Finance
Credit Administration
Risk Management
Compliance
Treasury
Collections
Personal Banking
Small Business Banking
Corporate Secretariat
Relevant Roles
Finance Manager
Credit Officer
Legal Counsel
Loan Officer
Treasury Manager
Accounts Receivable Manager
Risk Manager
Compliance Officer
Business Owner
Financial Controller
Collection Specialist
Personal Banking Officer
Small Business Advisor
Notary Public
Corporate Secretary
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