Penerapan pasal 2 ayat (1) beserta penjelasannya undang-undang No 37 tahun 2004 tentang kepailitan dan penundaan kewajiban pembayaran utang dalam perjanjian kredit sindikasi = Application of article 2 clause (1) along with its explanation of act number 37 year 2004 about bankruptcy and suspension of payment in syndication loan agreement