1. Parties: Identification of the Lender, Borrower, and Platform Operator with complete legal names and addresses
2. Background: Context of the agreement, including the platform's OJK registration status and the purpose of the P2P lending arrangement
3. Definitions: Definitions of key terms used throughout the agreement, including technical and financial terms
4. Loan Details: Specific details of the loan including principal amount, interest rate, term, and purpose
5. Platform Services: Description of services provided by the P2P platform operator and their role in facilitating the loan
6. Disbursement Terms: Conditions precedent for loan disbursement and the disbursement process
7. Repayment Terms: Payment schedule, method of repayment, and early repayment provisions
8. Interest and Fees: Detailed breakdown of interest calculation, platform fees, and other applicable charges
9. Representations and Warranties: Statements of fact and assurances from both parties regarding their capacity and authority
10. Rights and Obligations: Detailed responsibilities of each party throughout the loan term
11. Risk Disclosure: Mandatory risk warnings and acknowledgments as required by OJK regulations
12. Default and Remedies: Events of default and consequences, including collection procedures
13. Data Protection: Provisions for handling personal data in compliance with Indonesian data protection laws
14. Governing Law and Dispute Resolution: Choice of law and dispute resolution mechanisms
15. Term and Termination: Duration of the agreement and circumstances for termination
16. Miscellaneous: Standard boilerplate provisions including notices, amendments, and severability
