Kedudukan hukum personal guarantor (penanggung/borg) sebagai termohon pailit: studi kasus putusan Mahkamah Agung nomor 212 K/Pdt.Sus-Pailit/2015 antara Arifin dan PT Bank Mayapada Internasional, Tbk = Legal position of personal guarantor (guarantor/borg) as bankruptcy respondent: case study Supreme Court decision 212 K/Pdt.Sus-Pailit/2015 between Arifin and PT Bank Mayapada Internasional, Tbk