This research analyzes the impact of Indonesian Supreme Court Decision No. 141/Pdt.Sus- PKPU/2020 on the execution of personal guarantees (borgtocht) in bankruptcy proceedings. This decision is significant as it has the potential to alter the practice of borgtocht execution and affect legal certainty for both creditors and debtors. The research employs a normative method with a statutory approach and case studies. Legal sources include legislation, legal literature, and relevant court decisions. The findings indicate that the Supreme Court decision provides clarity regarding the position of borgtocht in bankruptcy, yet also raises some legal uncertainties. This research offers recommendations for legal improvements regarding borgtocht execution to ensure legal certainty and fairness for all parties involved..
 
 

Based on The 1945 Constitution of the Republic of Indonesia (UUD 1945), especially in the Preamble to the Fourth Paragraph , the State of Indonesia has objective national For advance well-being general and enlightening life nation . This matter become base law for development national focus on improvement? quality source Power human resources (HR) as the main capital .Education and skills is two element important in creating quality human resources . Article 26 paragraph (2) of the 1945 Constitution confirms that every citizens have the right on education . Article 31 paragraph (3) also states that government responsible answer on maintenance education . This matter show internal state commitment provide access broad and equitable education? for all over people of Indonesia. 

Latar belakang penelitian ialah Putusan Pengadilan Negeri Indramayu Nomor 17/Pdt.G/2019/PN Idm yang membatalkan akta jual beli tanah dan bangunan atau peralihan hak milik antara pembeli dan debitur pailit karena mengandung unsur Actio Paulina. Penelitian ini dilakukan untuk mengkaji tentang penerapan asas Actio Pauliana sebagai bentuk perlindungan hukum terhadap kreditor akibat pengalihan objek kepailitan; (2) mengetahui kajian yuridis perlindungan hukum bagi pembeli yang beritikad baik yang dibatalkan karena adanya gugatan pihak ketiga; dan (3) mengetahui akibat hukum pembatalan jual beli objek kepailitan terhadap pembeli yang beritikad baik. Metode penelitian ialah pendekatan yuridis normatif dengan spesifikasi penelitian deskriptif analisis. Hasil penelitian: 1) Pertimbangan hakim atas penerapan Actio Pauliana sebagai bentuk perlindungan hukum terhadap kreditor akibat pengalihan objek kepailitan telah sesuai; (2) Hakim belum mempertimbangkan perlindungan hukum yang diberikan terhadap pembeli tanah/bangunan yang beriktikad baik; dan (3) Kelalaian PT Asuransi Jiwa Bumi Asih Jaya dalam pemenuhan Pasal 1491 KUHPerdata, menjadi salah satu pengingkaran ketentuan Pasal 1320 KUHPerdata terkait syarat sahnya perjanjian yaitu syarat kesepakatan dimana di dalamnya ada kecacatan melalui adanya penipuan.