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The Cash Loan Contract serves as a legally binding agreement between a lender and borrower in Indonesia, establishing the terms and conditions for the provision and repayment of a cash loan. This document is essential for any lending transaction in Indonesia and must comply with the Indonesian Civil Code (KUH Perdata), OJK regulations, and relevant banking laws. It is commonly used by banks, financial institutions, and licensed lending companies when providing loans to individuals or corporate entities. The contract includes crucial elements such as loan amount, interest calculations, repayment schedules, security arrangements, and default provisions, while ensuring adherence to Indonesian consumer protection regulations and financial services requirements.

1. Parties: Identification of lender and borrower with complete legal names and addresses

2. Background: Context of the loan agreement and the parties' intention to enter into the lending arrangement

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

4. Loan Amount and Purpose: Specification of the loan amount, currency, and intended purpose of the loan

5. Disbursement: Terms and conditions for the disbursement of the loan amount

6. Interest Rate: Specification of interest rate, calculation method, and payment schedule

7. Repayment Terms: Details of repayment schedule, method of payment, and prepayment provisions

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

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

10. Events of Default: Circumstances constituting default and consequences thereof

11. Remedies: Lender's rights and remedies 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 details

14. Execution: Signature blocks and execution requirements