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1. Parties: Identification of the seller/finance company and the buyer/borrower with complete details as required by Indonesian law

2. Background: Context of the agreement including the buyer's intention to purchase the vehicle through installment payments

3. Definitions: Definitions of key terms used throughout the agreement including Vehicle, Payment Schedule, Interest Rate, etc.

4. Vehicle Details: Comprehensive description of the vehicle including make, model, year, VIN, color, and specifications

5. Purchase Price and Payment Terms: Total purchase price, down payment, interest rate, and payment structure

6. Payment Schedule: Detailed monthly payment obligations including due dates and payment methods

7. Security Interest and Ownership: Provisions regarding vehicle ownership, fiduciary security registration, and transfer of title

8. Insurance Requirements: Mandatory insurance coverage requirements and responsibilities

9. Representations and Warranties: Statements and guarantees from both parties regarding their capacity and the vehicle's condition

10. Default and Remedies: Events of default and consequences, including repossession rights and procedures

11. Termination: Conditions and procedures for early termination or completion of the contract

12. Governing Law and Dispute Resolution: Applicable Indonesian law and dispute resolution mechanisms

1. Schedule A - Payment Schedule: Detailed amortization schedule showing all payments, including principal and interest breakdown

2. Schedule B - Vehicle Specification: Complete technical specifications and condition report of the vehicle

3. Schedule C - Insurance Requirements: Detailed insurance requirements and minimum coverage specifications

4. Appendix 1 - Vehicle Documentation: Copies of vehicle registration and other relevant documentation

5. Appendix 2 - Delivery Receipt: Vehicle delivery and acceptance documentation

6. Appendix 3 - Financial Disclosure Statement: Required disclosures under Indonesian financial services regulations