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Lending Loan Agreement Template for Indonesia

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Key Requirements PROMPT example:

Lending Loan Agreement

"I need a Lending Loan Agreement for a Rp 5 billion business loan from Bank Central Asia to my manufacturing company, with quarterly repayments over 3 years starting March 2025, secured by company equipment and inventory."

Document background
This Lending Loan Agreement template is designed for use in Indonesian jurisdiction, incorporating all necessary elements required by Indonesian banking laws and regulations. The document is essential for any lending transaction, whether for corporate financing, project funding, or general business purposes. It serves as a legally binding contract that protects both lender and borrower interests while ensuring compliance with Indonesian Civil Code and banking regulations. The agreement includes comprehensive provisions for loan disbursement, repayment terms, security arrangements, and default scenarios, all structured to meet local legal requirements. It's particularly important that this Lending Loan Agreement incorporates specific Indonesian requirements such as dual language provisions, proper execution formalities, and compliance with OJK (Financial Services Authority) guidelines.
Suggested Sections

1. Parties: Identification of the lender and borrower with complete legal names and addresses

2. Background: Context of the loan agreement, relationship between parties, and purpose of the loan

3. Definitions: Definitions of key terms used throughout the agreement

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

5. Interest Rate and Calculation: Details of interest rate, calculation method, and payment frequency

6. Disbursement Terms: Conditions precedent and process for loan disbursement

7. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions

8. Security and Collateral: Description of assets provided as security and perfection requirements

9. Representations and Warranties: Statements of fact and assurances from the borrower

10. Covenants: Positive and negative obligations of the borrower during the loan term

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

12. Taxes and Costs: Allocation of tax liabilities and transaction costs

13. Notices: Communication methods and contact details for formal notices

14. Governing Law and Jurisdiction: Specification of Indonesian law as governing law and jurisdiction for disputes

15. Execution: Signature blocks and execution requirements

Optional Sections

1. Guarantor Provisions: Include when there is a third-party guarantor for the loan

2. Insurance Requirements: Include when specific insurance coverage is required for secured assets

3. Special Drawing Conditions: Include for staged disbursements or special conditions for drawings

4. Currency Provisions: Include for loans involving foreign currency or multiple currencies

5. Assignment and Transfer: Include when transfer rights are granted to either party

6. Force Majeure: Include when specific force majeure provisions are needed beyond standard provisions

7. Appointment of Agent: Include in syndicated loans or when an agent is appointed

8. Environmental Compliance: Include for business loans where environmental compliance is relevant

Suggested Schedules

1. Repayment Schedule: Detailed amortization table showing payment dates and amounts

2. Security Details: Detailed description and documentation of collateral assets

3. Conditions Precedent Checklist: List of documents and conditions required before disbursement

4. Form of Drawdown Notice: Template for requesting loan disbursements

5. Insurance Requirements: Detailed insurance specifications for secured assets

6. Permitted Security Interests: List of pre-approved security interests on borrower assets

7. Financial Covenants Calculations: Formulas and methods for calculating financial covenants

8. Form of Compliance Certificate: Template for periodic compliance certification

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok成人版 | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Relevant legal definitions







































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Relevant Industries

Banking and Financial Services

Real Estate

Manufacturing

Agriculture

Mining

Technology

Retail

Construction

Infrastructure

Transportation

Healthcare

Education

Hospitality

Energy

Telecommunications

Relevant Teams

Legal

Finance

Compliance

Risk Management

Credit Analysis

Treasury

Corporate Banking

Operations

Due Diligence

Documentation

Regulatory Affairs

Relevant Roles

Chief Financial Officer

Finance Director

Legal Counsel

Compliance Officer

Credit Risk Manager

Loan Officer

Corporate Banker

Treasury Manager

Financial Controller

Legal Director

Banking Operations Manager

Credit Analyst

Relationship Manager

Risk Assessment Officer

Corporate Secretary

Banking Attorney

Financial Analyst

Due Diligence Officer

Industries








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Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks, 聽Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination, 聽Severance Pay, Governing Law, Entire Agreemen

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