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Loan Repayment Agreement

Loan Repayment Agreement Template for Indonesia

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Key Requirements PROMPT example:

Loan Repayment Agreement

"I need a Loan Repayment Agreement for a corporate borrower who will repay a business expansion loan of 500 million Indonesian Rupiah over 24 months starting March 2025, with monthly installments and a 12% annual interest rate."

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Document background
The Loan Repayment Agreement is essential when formalizing the terms of repaying an existing loan in Indonesia. This document is typically used when restructuring existing debt, establishing new repayment terms, or consolidating multiple loans into a single repayment structure. The agreement must comply with Indonesian financial regulations, particularly those set by the Financial Services Authority (OJK) and the Indonesian Civil Code (KUHPerdata). It includes crucial details such as the outstanding loan amount, interest rates, payment schedule, default provisions, and any collateral arrangements. The document is widely used across various sectors, from personal loans to corporate financing, and can be customized to accommodate specific requirements while maintaining legal compliance with Indonesian lending laws.
Suggested Sections

1. Parties: Identification and details of the lender and borrower, including their legal capacities

2. Background: Context of the original loan and circumstances leading to this repayment agreement

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

4. Acknowledgment of Debt: Formal acknowledgment of the outstanding debt amount and its origin

5. Repayment Terms: Detailed terms of repayment including amount, frequency, and method of payment

6. Interest Rate: Specification of applicable interest rates and calculation method

7. Payment Method: Acceptable methods of payment and payment processing details

8. Default Provisions: Consequences and procedures in case of payment default

9. Representations and Warranties: Statements of fact and promises made by both parties

10. Covenants: Ongoing obligations of the borrower during the repayment period

11. Notices: Process for formal communications between parties

12. Governing Law: Confirmation of Indonesian law as governing law and jurisdiction

13. General Provisions: Standard contractual provisions including amendments, severability, and entire agreement

Optional Sections

1. Collateral: Details of any assets provided as security for the loan, used when the loan is secured

2. Guarantor Provisions: Terms relating to any guarantors of the loan, included when there are third-party guarantors

3. Insurance Requirements: Specifications for any required insurance coverage, included when insurance is mandatory

4. Prepayment Terms: Conditions and procedures for early repayment, included when early repayment is allowed

5. Debt Restructuring Provisions: Terms for potential future restructuring, included when flexibility might be needed

6. Electronic Payment Provisions: Specific terms for electronic payments, included when electronic payments are accepted

7. Force Majeure: Provisions for unforeseen circumstances affecting repayment ability

Suggested Schedules

1. Repayment Schedule: Detailed schedule of payment dates and amounts

2. Original Loan Documentation: Copy or summary of the original loan agreement

3. Collateral Details: Detailed description and documentation of any collateral

4. Payment History: Record of payments made under the original loan

5. Interest Calculation Method: Detailed explanation of interest calculation formulas

6. Contact Details: Complete contact information for all relevant parties

7. Required Forms: Standard forms for payment processing or notifications

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant legal definitions
Agreement
Original Loan Agreement
Outstanding Balance
Principal Amount
Interest Rate
Default Interest Rate
Business Day
Due Date
Payment Date
Effective Date
Lender
Borrower
Guarantor
Collateral
Security Interest
Event of Default
Force Majeure
Repayment Schedule
Installment Payment
Prepayment
Late Payment Fee
Default Notice
Cure Period
Banking Day
Indonesian Rupiah
Applicable Law
OJK
Material Adverse Effect
Permitted Purpose
Related Documents
Security Documents
Notice
Interest Period
Payment Account
Electronic Payment System
Default Provisions
Acceleration Event
Restructuring
Collection Costs
Legal Expenses
Relevant Industries

Banking & Financial Services

Microfinance

Real Estate

Small Business & Entrepreneurship

Corporate Finance

Consumer Finance

Asset Management

Insurance

Agricultural Finance

Industrial & Manufacturing

Retail & Commerce

Relevant Teams

Legal

Finance

Credit & Collections

Risk Management

Compliance

Treasury

Corporate Secretariat

Loan Operations

Account Management

Debt Recovery

Relevant Roles

Credit Manager

Loan Officer

Financial Controller

Legal Counsel

Compliance Officer

Risk Manager

Collection Specialist

Account Manager

Banking Relations Manager

Chief Financial Officer

Corporate Secretary

Treasury Manager

Debt Recovery Specialist

Financial Advisor

Credit Analyst

Industries
Indonesian Civil Code (KUHPerdata): The fundamental law governing contracts, obligations, and agreements in Indonesia, particularly Book III on Obligations (Articles 1233-1456) and specific provisions on lending and borrowing (Articles 1754-1773)
Law No. 21 of 2011 on Financial Services Authority (OJK): Regulates financial services institutions and provides framework for supervision of lending activities in Indonesia
Law No. 8 of 1999 on Consumer Protection: Ensures fair treatment of borrowers and provides protection against unfair practices in financial agreements
OJK Regulation No. 1/POJK.07/2013: Specific regulations on consumer protection in the financial services sector, including requirements for transparency in loan agreements
Law No. 42 of 1999 on Fiduciary Security: Relevant if the loan involves any collateral or security arrangements
Bank Indonesia Regulation on Interest Rate Transparency: Governs the disclosure and calculation of interest rates in loan agreements
Law No. 11 of 2008 on Electronic Information and Transactions: Applicable if the loan agreement involves electronic documentation or online transactions
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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