material and personal guarantee arrised from an agreement toensure legal certainty for creditor for the payment of debt orimplementation of obligation by debitor to creditor. Juridical materialy guarantee have function to pledge debt. In material guarantee, the guarantee obyect material, especially used as preventive action just in case if any parties not obey their obligation. Its necessary to reform the guarantee law system that still based into the reform of material law sistem as an original law asa well as pay attention to consistencyprinciple.
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