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The Peer to Peer Lending Contract serves as the primary legal framework for facilitating online lending transactions in Indonesia between lenders and borrowers through digital platforms. This document is essential when conducting P2P lending activities under OJK Regulation No. 77/POJK.01/2016, ensuring compliance with Indonesian financial services regulations while protecting all parties' interests. It details the complete lending arrangement, including loan terms, platform responsibilities, risk disclosures, and regulatory requirements. The contract is specifically designed for the Indonesian market, incorporating local regulatory requirements, consumer protection measures, and digital transaction laws, making it suitable for both individual and institutional participants in the P2P lending ecosystem.

1. Parties: Identification of the Lender, Borrower, and Platform Operator with complete legal details

2. Background: Context of the P2P lending arrangement and platform's role as intermediary

3. Definitions: Key terms used throughout the agreement including technical and financial terms

4. Loan Details: Specific terms of the loan including principal amount, interest rate, tenure, and purpose

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

6. Repayment Terms: Schedule, method, and conditions for loan repayment

7. Interest and Fees: Detailed breakdown of interest calculation, platform fees, and other charges

8. Rights and Obligations: Comprehensive listing of each party's rights and responsibilities

9. Representations and Warranties: Statements of fact and assurances from all parties

10. Risk Disclosure: Mandatory risk warnings and acknowledgments as per OJK requirements

11. Default Events: Circumstances constituting default and consequences thereof

12. Platform Operations: Role and responsibilities of the platform operator

13. Data Privacy and Protection: Terms regarding handling of personal and financial information

14. Dispute Resolution: Process for handling disputes including jurisdiction and governing law

15. Term and Termination: Duration of agreement and conditions for early termination

16. General Provisions: Standard boilerplate clauses including notices, amendments, and severability