Tinjauan yuridis perkara kepailitan dalam hal debitur kurang harta yang disebabkan oleh hibah dalam harta bersama : studi kasus putusan no. 74/PAILIT/PN.NIAGA.JKT.PST = Legal analysis on insufficiency of debtor's assets caused by grants in joint assets in a bankruptcy case : study case the decision of the commercial court of central Jakarta no. 74/PAILIT/PN.NIAGA.JKT.PST