The Peer to Peer Loan Contract is essential for documenting regulated lending transactions in Indonesia's growing digital financial services sector. This document is specifically designed for use when facilitating loans through authorized P2P lending platforms registered with the Indonesian Financial Services Authority (OJK). It incorporates mandatory regulatory requirements under OJK Regulation No. 77/POJK.01/2016, including platform obligations, risk disclosures, and consumer protection measures. The contract is structured to accommodate both individual and business borrowers, covering loan terms, interest calculations, repayment schedules, default procedures, and digital execution requirements. It serves as a crucial tool for ensuring legal compliance while promoting transparency and protection for all parties in Indonesia's P2P lending ecosystem.
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1. Parties: Identification of the lender and borrower with complete legal names and addresses
2. Background: Context of the P2P loan agreement and the platform through which it is facilitated
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and intended use of funds
5. Interest Rate and Fees: Details of interest rate calculation, platform fees, and other applicable charges
6. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions
7. Representations and Warranties: Statements of fact and assurances from both parties
8. Borrower's Obligations: Key responsibilities and commitments of the borrower
9. Lender's Rights: Rights and remedies available to the lender
10. Default Events: Circumstances constituting default and consequences
11. Dispute Resolution: Procedures for handling disputes and jurisdiction details
12. Governing Law: Specification of Indonesian law as governing law
13. Notices: Methods and addresses for official communications
14. Electronic Execution: Provisions for digital signature and online acceptance
1. Security: Details of any collateral or security provided - used when loan is secured
2. Guarantor: Terms relating to guarantors - included when a third party guarantees the loan
3. Insurance: Requirements for insurance coverage - used for larger loans or when required by platform policy
4. Early Termination: Provisions for early loan termination - included for longer-term loans
5. Assignment: Terms for transferring rights under the agreement - used when assignment is permitted
6. Force Majeure: Provisions for unforeseen circumstances - relevant for longer-term or larger loans
1. Repayment Schedule: Detailed breakdown of payment dates and amounts
2. Fee Schedule: Comprehensive list of all applicable fees and charges
3. KYC Documentation: List of required identity verification documents
4. Platform Terms: Standard terms and conditions of the P2P lending platform
5. Risk Disclosure: Mandatory risk warnings and disclosures as required by OJK regulations
6. Consent Forms: Required regulatory and data protection consents
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