The Sub Loan Agreement is a critical document used in structured financing arrangements in Indonesia where funds are channeled from a primary lender (often an international financial institution) through an intermediary (typically an Indonesian bank) to an end borrower. This arrangement is commonly used for development projects, infrastructure financing, and business expansion activities where direct lending may not be feasible or desirable. The agreement must comply with Indonesian banking regulations and OJK requirements, including specific provisions for credit monitoring, reporting, and security arrangements. It needs to address both the relationship with the primary loan facility and the specific terms of the sub-loan, including currency considerations, security arrangements, and regulatory compliance requirements. The document is particularly important in development finance contexts where international funds are being deployed into Indonesian projects through local financial institutions.
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1. Parties: Identification of the primary lender, intermediary borrower/lender, and end borrower
2. Background: Context of the primary loan and the purpose of the sub-loan arrangement
3. Definitions and Interpretation: Definitions of key terms and interpretation rules, including language precedence
4. Sub-Loan Facility: Details of the sub-loan amount, purpose, and relationship to primary loan
5. Conditions Precedent: Conditions that must be satisfied before drawdown
6. Drawdown Procedures: Process and requirements for requesting and receiving loan disbursements
7. Interest and Fees: Interest rate, calculation method, fees, and payment terms
8. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
9. Representations and Warranties: Standard and specific warranties from the end borrower
10. Covenants: Positive and negative obligations of the end borrower
11. Events of Default: Circumstances constituting default and consequences
12. Remedies: Rights and remedies upon default
13. Changes to Parties: Assignment and transfer provisions
14. Administration: Notices, calculations, and other administrative matters
15. Governing Law and Jurisdiction: Choice of Indonesian law and jurisdiction provisions
1. Security Provisions: Required if the sub-loan is secured by collateral, detailing security arrangements
2. Currency Provisions: Required for loans involving foreign currency, including exchange rate mechanisms
3. Tax Provisions: Detailed tax provisions required if cross-border elements or specific tax arrangements apply
4. Bank Account Provisions: Detailed account maintenance requirements if specific accounts must be maintained
5. Insurance Requirements: Required if specific insurance must be maintained for loan security
6. Regulatory Compliance: Additional compliance provisions if the end borrower is in a regulated industry
7. Language Provisions: Required for bilingual agreements, specifying prevailing language
1. Schedule 1 - Loan Details: Detailed terms of the sub-loan including amount, interest rate, and repayment schedule
2. Schedule 2 - Conditions Precedent: List of required documents and conditions for drawdown
3. Schedule 3 - Drawdown Request Form: Form for requesting loan disbursements
4. Schedule 4 - Repayment Schedule: Detailed amortization schedule
5. Schedule 5 - Security Details: Description of any security or collateral
6. Schedule 6 - Calculation of Interest and Fees: Detailed methodology for calculations
7. Schedule 7 - Form of Compliance Certificate: Template for periodic compliance reporting
8. Appendix A - Primary Loan Terms: Summary of relevant terms from the primary loan agreement
9. Appendix B - Required Notices: Forms of notices required under the agreement
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