Legal protection for the creditor in the implementation of commercial bank merger: case study PT Bank IFI vs PT Bank Danamon Indonesia Tbk. court verdict 21/Pailit/2001/PN.Niaga.Jkt.Pst = Perlindungan hukum bagi kreditor dalam pelaksanaan merger bank umum: studi kasus PT Bank IFI vs. PT Bank Danamon Indonesia Tbk. putusan no. 21/Pailit/2001/PN.Niaga.Jkt.Pst