Akibat hukum perjanjian penjaminan hak atas tanah menyangkut harta bersama tanpa persetujuan nikah (studi kasus Putusan Mahkamah Agung Republik Indonesia No. 2196 K/PDT/1992 tanggal 30 Juni 1994) = The legal consequences of the mortgage agreement of joint marital property without spouse consent (case study supreme court of the Republic of Indonesia verdict No. 2196 K/PDT/1992 dated June 30th 1994)