The Official Loan Agreement serves as the primary documentation for regulated lending transactions in Indonesia, establishing legally binding obligations between financial institutions and borrowers. This document is essential for any formal lending arrangement subject to Indonesian banking regulations and supervision by the Financial Services Authority (OJK). The agreement must comply with specific requirements under Indonesian law, including the Banking Law (Law No. 7 of 1992 as amended by Law No. 10 of 1998) and relevant OJK regulations. It is typically used for corporate lending, project financing, or significant personal loans where formal documentation is required. The Official Loan Agreement includes comprehensive provisions covering loan terms, security arrangements, regulatory compliance requirements, and enforcement mechanisms, all structured to ensure enforceability under Indonesian law while protecting both lender and borrower interests.
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1. Parties: Identification of the lender(s) and borrower(s) with complete legal names and addresses
2. Background: Context of the loan agreement including purpose and brief description of the transaction
3. Definitions: Comprehensive list of defined terms used throughout the agreement
4. Facility Details: Specific details of the loan including amount, currency, purpose, and facility type
5. Conditions Precedent: Prerequisites that must be satisfied before the loan can be drawn
6. Drawdown Mechanics: Procedures and requirements for requesting and receiving loan disbursements
7. Interest and Fees: Interest rate calculation, payment periods, and all applicable fees
8. Repayment Terms: Schedule and mechanics of loan repayment including prepayment provisions
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Covenants: Ongoing obligations of the borrower throughout the loan term
11. Events of Default: Circumstances that would allow the lender to terminate the facility and demand repayment
12. Taxation: Treatment of taxes and withholding requirements
13. Changes to Parties: Rules regarding assignment and transfer of rights and obligations
14. Notices: Communication procedures between parties
15. Governing Law and Jurisdiction: Confirmation of Indonesian law application and dispute resolution procedures
16. Execution: Signature blocks and execution formalities
1. Security Provisions: Required when the loan is secured by collateral or guarantees
2. Syndication Provisions: Required for syndicated loans involving multiple lenders
3. Currency Provisions: Required for loans involving foreign currency or multiple currencies
4. Insurance Requirements: Required when specific insurance coverage must be maintained
5. Account Bank Provisions: Required when specific bank accounts must be maintained for the facility
6. Subordination Provisions: Required when there are multiple creditors with different priorities
7. Regulatory Compliance: Required when specific regulatory requirements apply (e.g., specific sectors)
8. Force Majeure: Optional provisions for unforeseen circumstances affecting loan performance
1. Conditions Precedent Documents: Detailed list of required documents and conditions
2. Form of Drawdown Request: Template for borrower to request loan disbursements
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Security Documents: List and copies of all security documentation
5. Form of Compliance Certificate: Template for periodic compliance reporting
6. Fee Schedule: Detailed breakdown of all applicable fees
7. Permitted Security Interests: List of pre-approved security interests
8. Required Insurance: Detailed insurance requirements and coverage levels
9. Contact Details: Comprehensive contact information for all parties
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Corporate Lending
Investment Banking
Asset Management
Real Estate
Infrastructure
Manufacturing
Energy
Mining
Agriculture
Retail
Healthcare
Technology
Transportation
Construction
Relevant Teams
Legal
Finance
Compliance
Risk Management
Credit
Treasury
Corporate Banking
Operations
Documentation
Due Diligence
Relationship Management
Corporate Advisory
Banking Operations
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Banking Lawyer
Compliance Officer
Risk Manager
Credit Manager
Loan Officer
Treasury Manager
Financial Controller
Company Secretary
Banking Operations Manager
Relationship Manager
Credit Analyst
Due Diligence Officer
Corporate Banking Manager
Documentation Specialist
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