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The Loan Agreement With Guarantor is a critical financial instrument used in Indonesian business and personal financing arrangements where additional security is required beyond the borrower's commitments. This document is particularly valuable when a lender requires extra assurance for loan repayment, typically in scenarios involving substantial loan amounts, borrowers with limited credit history, or high-risk ventures. The agreement must comply with Indonesian civil law principles, banking regulations, and Financial Services Authority (OJK) requirements. It comprehensively details the loan terms, repayment schedule, interest calculations, events of default, and crucially, the guarantor's obligations and liability extent. The document is structured to protect all parties' interests while ensuring enforceability under Indonesian law, incorporating necessary provisions for witness attestation and potential notarization.

1. Parties: Identifies and provides full details of the Lender, Borrower, and Guarantor, including their legal names, registration numbers, and addresses

2. Background: Sets out the context of the loan agreement, including the Borrower's request for funding and the Guarantor's willingness to guarantee the obligations

3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes rules of interpretation

4. The Loan: Details the principal amount, purpose, and conditions precedent for the loan disbursement

5. Interest and Fees: Specifies the interest rate, calculation method, payment dates, and any applicable fees

6. Repayment Terms: Sets out the repayment schedule, payment methods, and prepayment provisions

7. Guarantee: Details the Guarantor's obligations, extent of guarantee, and enforcement mechanisms

8. Representations and Warranties: Contains statements of fact and assurances from both the Borrower and Guarantor

9. Covenants: Lists ongoing obligations of the Borrower and Guarantor throughout the loan term

10. Events of Default: Defines circumstances constituting default and their consequences

11. Security: Details any security arrangements supporting the loan

12. Payments and Calculations: Specifies payment mechanics, currency, and calculation conventions

13. Changes to Parties: Addresses assignment and transfer rights of the parties

14. Notices: Sets out how formal communications between parties should be made

15. General Provisions: Contains boilerplate clauses including governing law, jurisdiction, and amendments