���Ҵ�ý

1. Parties: Identification of all participating lenders and the borrower(s), including their complete legal names, addresses, and registration numbers if applicable

2. Background: Context of the loan sharing arrangement, purpose of the loan, and basic structure of the sharing arrangement

3. Definitions: Definitions of key terms used throughout the agreement, including financial terms, technical terms, and references to relevant laws

4. Loan Details: Specification of the total loan amount, individual participation percentages, interest rates, and payment terms

5. Rights and Obligations of Lenders: Detailed provisions regarding lenders' rights, voting rights, funding obligations, and participation in decision-making

6. Loan Administration: Procedures for loan disbursement, payment collection, and distribution of payments among lenders

7. Payment Mechanics: Detailed procedures for how payments are made, collected, and distributed among the participating lenders

8. Default Provisions: Circumstances constituting default and consequences thereof, including enforcement procedures

9. Representations and Warranties: Standard representations and warranties from all parties regarding their capacity and authority

10. Costs and Expenses: Allocation of costs, expenses, and fees among the participating lenders

11. Governing Law and Dispute Resolution: Choice of Indonesian law and dispute resolution mechanisms

12. Miscellaneous: Standard boilerplate provisions including notices, amendments, and severability

1. Schedule 1 - Lender Commitments: Detailed breakdown of each lender's participation amount and percentage

2. Schedule 2 - Payment Schedule: Amortization schedule and payment dates

3. Schedule 3 - Form of Transfer Certificate: Standard form for transferring loan participations

4. Schedule 4 - Administrative Details: Contact information and bank account details for all parties

5. Schedule 5 - Security Details: Details of any security or collateral (if applicable)

6. Appendix A - Calculation Methodology: Detailed methodology for calculating interest, fees, and payment distributions

7. Appendix B - Required Documents: List of all required supporting documents and certificates

8. Appendix C - Compliance Certificates: Standard forms for periodic compliance certification