The Business Investment Loan Agreement is a crucial document used in Indonesian corporate financing transactions when a company seeks substantial funding for business expansion, capital expenditure, or major investments. This agreement, governed by Indonesian law and regulated by both Bank Indonesia and the Financial Services Authority (OJK), establishes the legal framework for the lending relationship. It must comply with Law No. 7 of 1992 on Banking (as amended), the Indonesian Civil Code, and various OJK regulations. The document typically includes detailed provisions on loan disbursement, security arrangements, financial covenants, and reporting requirements. It's particularly important in the Indonesian context due to specific local regulatory requirements, currency controls, and security registration procedures. The agreement serves as the primary document governing the rights and obligations of both the financial institution and the borrower throughout the loan tenure.
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1. Parties: Identification of the lender and borrower, including their complete legal names, registration numbers, addresses, and authorized representatives
2. Background: Context of the loan agreement, purpose of the facility, and brief description of the business investment
3. Definitions and Interpretation: Definitions of key terms used throughout the agreement and rules of interpretation
4. Facility Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds
5. Conditions Precedent: Prerequisites that must be satisfied before loan disbursement
6. Disbursement Procedures: Process and requirements for drawing down the loan
7. Interest and Fees: Interest rate, calculation method, payment dates, and applicable fees
8. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
9. Security and Collateral: Details of security arrangements and collateral requirements
10. Representations and Warranties: Statements of fact and assurances given by the borrower
11. Covenants: Positive and negative obligations of the borrower during the loan term
12. Events of Default: Circumstances constituting default and consequences thereof
13. Tax Provisions: Treatment of taxes, duties, and withholding requirements
14. Changes to Parties: Rules regarding assignment and transfer of rights and obligations
15. Notices: Communication requirements and contact details
16. Governing Law and Jurisdiction: Specification of Indonesian law as governing law and jurisdiction for disputes
17. Execution: Signature blocks and execution requirements
1. Currency Provisions: Required if loan is in foreign currency, covering exchange rate risks and conversion requirements
2. Syndication Provisions: Required for syndicated loans involving multiple lenders
3. Insurance Requirements: Detailed insurance obligations if specific insurance coverage is required
4. Security Trustee Provisions: Required when security is held by a security trustee on behalf of lenders
5. Intercreditor Provisions: Required when there are multiple creditors with different priorities
6. Green Loan Provisions: Required for environmentally sustainable investments with specific reporting requirements
7. Force Majeure: Specific provisions for unforeseen circumstances affecting loan performance
1. Schedule 1 - Conditions Precedent Documents: List of required documents and conditions to be satisfied before disbursement
2. Schedule 2 - Form of Drawdown Notice: Template for borrower to request loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed amortization schedule with payment dates and amounts
4. Schedule 4 - Security Documents: List and copies of all security documents and collateral arrangements
5. Schedule 5 - Financial Covenants: Detailed financial ratios and reporting requirements
6. Schedule 6 - Form of Compliance Certificate: Template for periodic compliance reporting
7. Schedule 7 - Project Details: Description of the business investment project and implementation timeline
8. Schedule 8 - Authorized Signatories: List of persons authorized to sign notices and certificates
9. Appendix A - Corporate Authorizations: Copies of corporate approvals and authorizations
10. Appendix B - Property Documents: If applicable, details of any property serving as collateral
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