摘要：Property rights will engender creditors, creditors which are produced due to the existence of zakelijke zekerheid (property guarantee) are preferred creditors who has various superior characteristics, including the payment will be prioritized than other concurrent creditors. But the superior characteristics of the preferred creditors will looks weak when it crashed with privilege creditors which the existence are regulated in Law. The conflict between preferred creditors and privilege creditors makes the preferred creditors character become so weak, it is related to debt fulfillment because of force majeure and guarantee payment by the insurance company. This situation happened because when there was a force majeure, then the preferred creditors now should be just a concurrent creditors but they still hold the characters of preferred creditors because of the implication of the promises when the ship mortgage agreement made.
其他摘要：Lahirnya hak kebendaan akan melahirkan kreditor, kreditor yang terlahir akibat dari adanya jaminan kebendaan adalah kreditor preferen dimana kreditor preferen itu mempunyai berbagai ciri-ciri unggulan, antara lain yaitu didahulukannya pelunasan hutangnya
关键词：privilege creditors; force majeure; insurance; ship mortgages
其他关键词：kreditor privilege; force majeure; asuransi; hipotek kapal laut
