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The Money Repayment Agreement is a crucial legal instrument used in Indonesian business and personal transactions where one party has provided funds to another and requires a formal structure for repayment. This document is essential when formalizing loan arrangements, whether between individuals, companies, or financial institutions. It must comply with Indonesian Civil Code requirements and financial regulations, particularly regarding interest rate caps and currency provisions. The agreement typically includes detailed repayment schedules, interest calculations, default provisions, and security arrangements if applicable. It's commonly used in business financing, personal loans, and debt restructuring situations, providing legal certainty and protection for all parties involved.

1. Parties: Identification and details of the lender and borrower, including their full legal names, addresses, and any registration numbers for companies

2. Background: Context of the loan agreement, including the borrower's request for the loan and the lender's agreement to provide it

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the principal amount being lent and its intended use

5. Repayment Terms: Details of how and when the loan will be repaid, including payment schedule and method

6. Interest: Interest rate, calculation method, and payment terms

7. Payment Mechanics: Specific details about payment methods, bank accounts, and payment processing

8. Representations and Warranties: Statements of fact and assurances given by the borrower

9. Events of Default: Circumstances that constitute default and their consequences

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

11. Notices: How formal communications between parties should be made and delivered

12. Execution: Signature blocks and execution requirements