Dasar penilaian hakim terhadap keabsahan perjanjian jaminan atas harta bersama tanpa persetujuan suami atau istri: studi kasus putusan nomor 39/Pdt.g/2012/pn.Jkt.Pst dan putusan nomor 631/Pdt.g/2012/pn.Jkt.Sel = The basis of the judge's assessment to validate the security agreement on joint wealth without the consent from husband or wife: case study decision number 39/Pdt.g/2012/pn.Jkt.Pst and decision number 631/Pdt.g/2012/pn.Jkt.Sel