The Standard Loan Agreement is a fundamental document used in Indonesian banking and finance transactions to formalize lending arrangements between financial institutions and borrowers. This document is essential when establishing a loan facility under Indonesian law, whether for corporate financing, project development, or general business purposes. The agreement must comply with Indonesian banking regulations, including Law No. 7 of 1992 as amended by Law No. 10 of 1998 on Banking, Bank Indonesia regulations, and OJK requirements. It contains all necessary provisions for a valid loan contract, including detailed terms on disbursement, repayment, security, and events of default, while incorporating specific Indonesian law requirements such as language requirements and execution formalities.
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1. Parties: Identification of the lender and borrower with complete legal names, registration numbers, and addresses
2. Background: Context of the loan agreement, including the borrower's request and lender's agreement to provide 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 purpose of the loan
5. Interest Rate and Calculations: Details of interest rate, calculation method, and payment periods
6. Drawdown: Conditions and procedures for disbursement of the loan
7. Repayment Terms: Schedule and method of repayment, including principal and interest payments
8. Representations and Warranties: Standard declarations by the borrower about their legal status and capacity
9. Borrower's Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances that constitute default and their consequences
11. Security: Basic security provisions and cross-reference to security documents
12. Payments and Calculations: Payment mechanics, business day conventions, and calculation principles
13. Costs and Expenses: Allocation of transaction costs and ongoing expenses
14. Notices: Communication procedures between parties
15. Governing Law and Jurisdiction: Confirmation of Indonesian law as governing law and jurisdiction for disputes
16. Execution: Signature blocks and execution requirements
1. Guarantor Provisions: Required when a third party guarantor is involved in securing the loan
2. Syndication Provisions: Required for syndicated loans involving multiple lenders
3. Currency Provisions: Required for loans denominated in foreign currency or involving currency conversion
4. Insurance Requirements: Required when specific insurance coverage is mandatory for the loan
5. Tax Provisions: Detailed tax provisions required for complex loans or cross-border transactions
6. Assignment and Transfer: Required when the loan may be transferred or assigned to other parties
7. Force Majeure: Required when specific force majeure provisions are needed beyond standard provisions
8. Electronic Execution: Required when the agreement may be executed electronically
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Conditions Precedent: List of documents and conditions required before loan drawdown
3. Form of Drawdown Notice: Template for borrower to request loan disbursement
4. Security Details: Detailed description of security assets and registration requirements
5. Fee Schedule: Breakdown of all applicable fees and charges
6. Prohibited Activities: List of activities prohibited under the loan agreement
7. Required Insurance: Details of required insurance coverage and terms
8. Form of Compliance Certificate: Template for periodic compliance reporting by borrower
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