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1. Parties: Identification of the Lender and Borrower with complete legal names and addresses
2. Background: Context of the agreement, business relationship, and purpose of the loan
3. Definitions: Definitions of key terms including 'Profit', 'Profit Share', 'Business', 'Principal Amount', and other relevant terms
4. Loan Amount and Purpose: Specification of the principal amount and detailed purpose of the loan
5. Profit Sharing Structure: Detailed mechanism for calculating and distributing profits between parties
6. Disbursement: Terms and conditions for loan disbursement
7. Repayment Terms: Schedule and mechanics for repayment of principal amount
8. Profit Calculation and Payment: Method and timing of profit calculations and distributions
9. Representations and Warranties: Standard and specific representations by both parties
10. Covenants: Positive and negative covenants, including business operation requirements
11. Reporting Requirements: Financial and operational reporting obligations of the Borrower
12. Events of Default: Circumstances constituting default and consequences
13. Remedies: Rights and remedies available to parties upon default
14. Term and Termination: Duration of agreement and termination provisions
15. Governing Law: Specification of Indonesian law as governing law
16. Dispute Resolution: Mechanism for resolving disputes
1. Security: Include when the loan is secured by collateral or guarantees
2. Insurance: Include when specific insurance requirements are needed for the business or assets
3. Shariah Compliance: Include when the agreement needs to comply with Islamic banking principles
4. Change of Control: Include for borrowers that are companies where ownership changes could affect the agreement
5. Tax Provisions: Include when specific tax arrangements or implications need to be addressed
6. Business Operation Guidelines: Include when lender requires specific business operation standards or practices
7. Force Majeure: Include when specific force majeure provisions are needed beyond standard provisions
1. Schedule 1 - Profit Calculation Formula: Detailed methodology and examples of profit calculation
2. Schedule 2 - Business Plan: Detailed business plan and financial projections
3. Schedule 3 - Repayment Schedule: Schedule of principal repayment dates and amounts
4. Schedule 4 - Reporting Templates: Templates for required financial and operational reports
5. Schedule 5 - Security Details: Details of any security or collateral (if applicable)
6. Appendix A - Required Documents: List of documents required for disbursement and ongoing compliance
7. Appendix B - Financial Covenants: Specific financial ratios and thresholds to be maintained
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