The Student Loan Agreement serves as a legally binding document between a financial institution and a student seeking funding for educational purposes in Indonesia. This agreement is essential when a student requires financial assistance to pursue their education and a financial institution agrees to provide such funding under specific terms and conditions. The document is structured in accordance with Indonesian banking regulations, consumer protection laws, and educational funding requirements, incorporating necessary provisions for loan amount, interest calculations, repayment schedules, and default procedures. It may also include provisions for guarantors, typically parents or guardians, and specific requirements related to the student's academic progress and post-graduation obligations. The agreement ensures protection for both the lender and borrower while promoting accessible education financing within the Indonesian legal framework.
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1. Parties: Identifies the lender and the student borrower, including their complete legal names, addresses, and identification numbers
2. Background: Explains the context of the loan, including the student's educational institution, program of study, and purpose of the loan
3. Definitions: Defines key terms used throughout the agreement, including technical financial terms and education-specific terminology
4. Loan Amount and Purpose: Specifies the total loan amount, purpose of the loan, and any conditions for disbursement
5. Interest Rate and Calculations: Details the applicable interest rate, whether fixed or variable, and how interest is calculated
6. Disbursement Terms: Explains how and when the loan funds will be disbursed, including any conditions precedent
7. Repayment Terms: Specifies the repayment schedule, installment amounts, and payment methods
8. Grace Period: Details any grace period after graduation or completion of studies before repayment begins
9. Early Repayment: Outlines terms and conditions for early repayment, including any penalties or benefits
10. Default and Consequences: Defines what constitutes default and the consequences thereof
11. Representations and Warranties: States the representations and warranties made by both parties
12. Borrower's Obligations: Lists ongoing obligations of the borrower during the loan term
13. Lender's Rights: Outlines the rights of the lender, including right to information and inspection
14. Amendments: Specifies how the agreement can be modified
15. Governing Law and Jurisdiction: Specifies Indonesian law as governing law and defines jurisdiction for disputes
16. Notices: Details how formal communications between parties should be made
17. Execution: Signature blocks and execution requirements
1. Guarantor Provisions: Required when a parent or guardian is serving as guarantor for the loan
2. Collateral Requirements: Included when specific assets are being used as security for the loan
3. Insurance Requirements: Used when the lender requires life or study insurance
4. Electronic Communications Consent: Required when parties agree to use electronic communications for formal notices
5. Academic Performance Conditions: Include when loan terms are linked to maintaining certain academic standards
6. Employment Requirements: Used when the loan includes conditions about post-graduation employment
7. Deferment and Forbearance: Include when these options are available to the borrower
8. Co-borrower Provisions: Required when there is a co-borrower on the loan
1. Schedule A - Loan Details: Detailed breakdown of loan amount, interest rate, and payment schedule
2. Schedule B - Disbursement Schedule: Timeline and conditions for loan disbursements
3. Schedule C - Fee Schedule: Comprehensive list of all applicable fees and charges
4. Schedule D - Required Documents: List of documents required from the borrower
5. Schedule E - Academic Program Details: Details of the educational program being funded
6. Appendix 1 - Payment Calculation Examples: Examples of interest calculations and payment scenarios
7. Appendix 2 - Contact Information: Detailed contact information for all relevant parties
8. Appendix 3 - Default Procedures: Detailed procedures in case of default
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Education
Banking
Insurance
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Public Sector
Student Services
Consumer Finance
Relevant Teams
Legal
Credit
Risk Management
Compliance
Student Services
Financial Aid
Operations
Customer Service
Collections
Document Processing
Loan Administration
Relevant Roles
Legal Counsel
Loan Officer
Credit Analyst
Financial Aid Officer
Student Services Manager
Risk Manager
Compliance Officer
Education Finance Specialist
Contract Administrator
Banking Operations Manager
Student Loan Coordinator
Financial Services Manager
Legal Document Specialist
Customer Service Representative
Collections Manager
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