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The Loan Agreement Between Spouses is a formal legal document used in Indonesia when one spouse wishes to lend money to the other. This document is essential for clearly documenting financial arrangements between married couples, protecting both parties' interests, and ensuring compliance with Indonesian legal requirements. It becomes particularly important for substantial loans, asset protection, or when clarity is needed regarding whether the loan constitutes joint or separate marital property. The agreement must comply with the Indonesian Civil Code, Marriage Law No. 1 of 1974, and where applicable, Islamic law principles. It's commonly used in situations involving business investments, property purchases, or personal financial arrangements between spouses, and can be crucial documentation in case of future marital disputes or estate planning.

1. Parties: Identification of both spouses, including their marriage certificate details and current residential address

2. Background: Context of the loan, including confirmation of marriage status and any relevant marital property arrangements

3. Definitions: Key terms used in the agreement, including definitions of marital property, separate property, and loan-related terms

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

5. Interest Rate and Calculations: Details of any interest charged (if applicable) and calculation method

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

7. Security (if any): Details of any assets provided as security for the loan

8. Representations and Warranties: Statements about the parties' capacity, marital status, and authority to enter into the agreement

9. Events of Default: Circumstances constituting default, including provisions related to divorce or death

10. Governing Law and Jurisdiction: Confirmation of Indonesian law as governing law and jurisdiction for disputes