Kepastian hukum eksekusi hak tanggungan berdasarkan Undang-Undang no. 4 tahun 1996 tentang hak tanggungan dan Undang-Undang no. 37 tahun 2004 tentang kepailitan/PKPU dalam mewujudkan perlindungan hukum bagi kreditor separatis = The legal certainty of mortgage execution based on law no 4 of 1996 regarding mortgage rights and law no 37 of 2004 regarding bankruptcy law and suspension of payment in creating legal protection for secure creditor