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Money Lending Agreement

Money Lending Agreement Template for Indonesia

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Key Requirements PROMPT example:

Money Lending Agreement

"I need a Money Lending Agreement for a secured corporate loan of IDR 5 billion from our bank to a medium-sized manufacturing company, with their factory equipment as collateral and quarterly repayments starting March 2025."

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Document background
The Money Lending Agreement is a crucial legal instrument used in Indonesia when one party (the lender) agrees to provide financial accommodation to another party (the borrower) under specific terms and conditions. This document is essential for both institutional and private lending transactions, ensuring compliance with Indonesian financial regulations, including OJK requirements and the Civil Code. It should be used whenever a formal lending arrangement is established, whether for business financing, personal loans, or institutional credit facilities. The agreement typically includes detailed provisions for loan disbursement, interest calculation, repayment schedules, security arrangements, events of default, and remedies available under Indonesian law. It's particularly important given Indonesia's strict financial services regulations and the need for clear documentation in lending relationships.
Suggested Sections

1. Parties: Identification of the lender and borrower with complete legal names, addresses, and registration details if applicable

2. Background: Context of the loan agreement, relationship between parties, and purpose of the loan

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. Interest Rate: Details of the applicable interest rate, calculation method, and payment frequency

6. Term and Repayment: Duration of the loan and specific terms for repayment including payment schedule

7. Disbursement: Conditions precedent and process for disbursement of the loan

8. Representations and Warranties: Statements of fact and assurances from the borrower regarding their capacity and financial condition

9. Covenants: Ongoing obligations of the borrower during the term of the loan

10. Events of Default: Circumstances that constitute default and consequences thereof

11. Remedies: Rights and actions available to the lender in case of default

12. Notices: Process and addresses for formal communications between parties

13. Governing Law: Specification of Indonesian law as governing law and jurisdiction

14. Miscellaneous: Standard boilerplate provisions including amendments, assignment, and severability

Optional Sections

1. Security: Details of any collateral or security provided for the loan - include when the loan is secured

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

3. Insurance: Requirements for insurance of any collateral - include when there is valuable collateral

4. Multiple Disbursement Provisions: Terms for multiple tranches of lending - include for staged loan disbursements

5. Prepayment: Terms for early repayment of the loan - include when early repayment is permitted

6. Currency Provisions: Terms dealing with currency conversion and exchange rates - include for cross-border or multi-currency loans

7. Change of Circumstances: Provisions dealing with material changes in law or circumstances - include for longer-term loans

8. Tax Provisions: Detailed tax considerations and obligations - include when tax implications are significant

Suggested Schedules

1. Repayment Schedule: Detailed amortization table showing payment dates, amounts, and breakdown of principal and interest

2. Collateral Details: Detailed description and documentation of any security or collateral

3. Conditions Precedent Checklist: List of all documents and conditions required before loan disbursement

4. Form of Drawdown Notice: Standard form for requesting loan disbursement

5. Form of Promissory Note: Standard form of promissory note to be issued by borrower

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

7. Required Insurance Specifications: Details of required insurance coverage for any collateral

8. Compliance Certificates: Template forms for periodic compliance certification by borrower

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
Applicable Law
Business Day
Collateral
Default Interest
Default Notice
Disbursement
Disbursement Date
Drawdown Notice
Event of Default
Facility
Financial Indebtedness
Financial Statements
Governmental Authority
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
OJK
Outstanding Amount
Parties
Payment Date
Permitted Purpose
Principal Amount
Promissory Note
Repayment Schedule
Security
Security Documents
Tax
Term
Working Capital
Clauses
Loan Amount
Interest Rate
Term and Duration
Disbursement
Repayment
Security and Collateral
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Remedies
Assignment
Notices
Confidentiality
Force Majeure
Governing Law
Dispute Resolution
Amendment
Severability
Entire Agreement
Further Assurance
Indemnification
Insurance
Taxes
Fees and Expenses
Set-off
Change of Circumstances
Acceleration
Cross-Default
Registration and Stamping
Currency
Payment Mechanics
Financial Statements
Information Undertakings
Compliance with Laws
Anti-Money Laundering
Know Your Customer
Relevant Industries

Banking

Financial Services

Microfinance

Real Estate

Manufacturing

Retail

Agriculture

Technology

Construction

Healthcare

Education

Transportation

Hospitality

Energy

Relevant Teams

Legal

Finance

Treasury

Credit Risk

Compliance

Operations

Corporate Banking

Retail Banking

Documentation

Risk Management

Corporate Finance

Business Development

Relevant Roles

Chief Financial Officer

Finance Director

Legal Counsel

Credit Manager

Risk Manager

Compliance Officer

Treasury Manager

Loan Officer

Financial Controller

Corporate Secretary

Business Development Manager

Account Manager

Credit Analyst

Legal Director

Banking Operations Manager

Industries
Indonesian Civil Code (Kitab Undang-undang Hukum Perdata): Provides the fundamental legal framework for contracts, including requirements for valid agreements, contractual obligations, and remedies for breach of contract
Law No. 21 of 2011 on Financial Services Authority (OJK): Regulates and supervises financial services activities in the banking sector, capital markets, and non-bank financial institutions
Bank Indonesia Regulation No. 17/3/PBI/2015: Sets requirements for monetary operations and payment systems, including regulations on interest rates and lending practices
Law No. 8 of 1999 on Consumer Protection: Ensures fair treatment of borrowers and transparency in lending terms and conditions
Law No. 8 of 2010 on Prevention and Eradication of Money Laundering: Requires proper documentation and verification of the source of funds and borrower identity
OJK Regulation No. 77/POJK.01/2016: Specific regulations for peer-to-peer lending services and other financial technology lending platforms
Law No. 42 of 1999 on Fiduciary Security: Governs the use of movable assets as collateral in lending agreements
Government Regulation No. 21 of 2015 on Procedures for Registration of Fiduciary Security: Specifies the requirements and procedures for registering collateral in lending agreements
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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