The Loan Market Agreement serves as the primary documentation for corporate lending transactions in Indonesia, whether for bilateral or syndicated facilities. This document is essential for structuring financing arrangements that comply with Indonesian banking regulations, particularly the Banking Law and OJK requirements. It is typically used for medium to large-scale corporate financings, project finance, acquisition finance, or general corporate purposes. The agreement encompasses all critical aspects of the lending relationship, including facility terms, security arrangements, representations and warranties, covenants, and events of default. Special consideration is given to Indonesian law requirements regarding security creation, foreign currency transactions, and mandatory involvement of local financial institutions. The document must align with OJK's prudential principles and Bank Indonesia's regulations, especially when involving cross-border elements or foreign currency denominated loans.
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1. Parties: Identification of the lender(s), borrower(s), and any guarantors or security providers
2. Background: Context of the loan agreement and brief description of the transaction
3. Definitions and Interpretation: Defined terms, interpretation rules, and currency calculations
4. The Facility: Details of the loan facility, including type, purpose, and commitment amounts
5. Conditions Precedent: Prerequisites for drawdown, including required documents and approvals
6. Drawdown: Procedures and requirements for utilization of the facility
7. Interest: Interest calculation, periods, rates, and payment provisions
8. Repayment: Terms for repayment of principal, including scheduled payments
9. Prepayment: Voluntary and mandatory prepayment provisions
10. Tax Provisions: Tax treatment, gross-up obligations, and tax-related representations
11. Increased Costs and Illegality: Provisions for dealing with changes in law or circumstances affecting the loan
12. Representations and Warranties: Borrower's statements of fact and assurances
13. Information Undertakings: Obligations to provide financial and other information
14. General Undertakings: Positive and negative covenants of the borrower
15. Events of Default: Circumstances constituting default and consequences
16. Changes to Parties: Transfer and assignment provisions
17. Administration: Payment mechanics, calculations, and notices
18. Governing Law and Enforcement: Choice of law and jurisdiction provisions
1. Security: Required if the loan is secured; details security arrangements and enforcement rights
2. Guarantee: Required if there are guarantors; contains guarantee terms and limitations
3. Agent and Security Agent Provisions: Required for syndicated loans; details roles and responsibilities of agents
4. Majority Lenders: Required for syndicated loans; defines voting rights and decision-making processes
5. Currency Option: Required for multi-currency facilities; contains currency conversion and availability provisions
6. Market Disruption: Optional provisions for handling market disruption events
7. Hedging Obligations: Required if hedging is mandatory; contains hedging requirements and terms
8. Islamic Finance Provisions: Required for Sharia-compliant facilities; contains specific Islamic finance terms
1. Schedule 1 - Initial Conditions Precedent: Detailed list of required documents and conditions for initial drawdown
2. Schedule 2 - Form of Drawdown Request: Template for borrower to request loan disbursement
3. Schedule 3 - Form of Transfer Certificate: Template for transferring loan participations
4. Schedule 4 - Form of Compliance Certificate: Template for periodic compliance certification
5. Schedule 5 - Repayment Schedule: Detailed schedule of repayment dates and amounts
6. Schedule 6 - Security Documents: List and forms of required security documents
7. Schedule 7 - Financial Covenants: Detailed financial covenant calculations and definitions
8. Schedule 8 - Form of Accession Deed: Template for new parties joining the agreement
9. Appendix A - Lenders and Commitments: List of lenders and their respective commitments
10. Appendix B - Bank Accounts: Details of designated accounts for payments
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Manufacturing
Real Estate & Property
Infrastructure
Energy & Resources
Technology
Telecommunications
Agriculture
Transportation & Logistics
Healthcare
Retail & Consumer Goods
Mining
Construction
Hospitality & Tourism
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit Analysis
Operations
Company Secretarial
Transaction Management
Documentation
Relationship Management
Investment Banking
Regulatory Affairs
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Risk Manager
Corporate Secretary
Financial Controller
Credit Risk Officer
Relationship Manager
Loan Officer
Transaction Manager
Security Trustee
Facility Agent
Investment Banking Director
Corporate Banking Head
Chief Risk Officer
Legal Director
Banking Operations Manager
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