Common use of IMITERERE Y’URUBANZA Clause in Contracts

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka ku masezerano y’umwenda ungana na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvaruganda, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo soko. [2] Iyo nguzanyo Ntaganda yarayemerewe, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %), maze ayasaba COGEBANQUE nka découvert irayamuha. [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawo, naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyo. [4] Urubanza rwaciwe ku wa 20/05/2009, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claude.

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka ku masezerano y’umwenda ungana 1]Karambizi Alphonse wari umunyamabanganshigwabikorwa w’umurenge wa Kigarama, Mukamugemana Claudine wari umukozi mu karere ka Kirehe ashinzwe VUP na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvarugandaBucyanayandi Aimable wari social w’umurenge wa Mahama baregwa kunyereza umutungo hagati y’umwaka wa 2009-2012 w’abafashwa na VUP mu rwego rwo kubateza imbere babategeka kugura imodoka ya Fuso yambaye plaque no 517 W bamaze kuyigura ibabera icyambu cyo kunyereza amafaranga yabo agizwe na miliyoni cumi n’ebyiri (12,000,000).Iki cyaha cyo kunyereza umutungo baragikoze hagati y’umwaka wa 2009 na 2012 igihe bari bashinzwe kurebera atishoboye bari abagenerwa bibikorwa bya VUP bibumbiye muri cooperative SINDAGIRAMAHAMA.Abaregwa ubwo bari bamaze gukusanya hamwe amafaranga miliyoni cumi n’ebyiri (12,000,000) yabo batishoboye ariko bahitamo kubagurira FUSSO ya miliyoni icyenda (9,000,000) itaragize icyo ibamarira naho andi mafaranga miliyoni eshatu(3,000,000) asigaye ntibamenya irengero ryayo na nyuma nanone baza gufata inguzanyo muri coop Inzira yo gukoresha imodoka n’andi ibihumbi magana icyenda na cumi(910,000)Mukamugemena Claudine yabatse ababwira ko nayo arayo gucuruza nayo ntibamenya irengero ryayo .Abaregwa baburanye bahakana icyaha.Gusuzuma niba Karambizi Alphonse, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo soko. [2] Iyo nguzanyo Ntaganda yarayemerewe, ariko FINA BANK imusaba kwitangira 40.000.000 frw Mukamugemana Claudine na Bucyanayandi Aimable barafatanyije kunyereza amafaranga miliyoni cumi n’ebyiri (provision ya 20 %), maze ayasaba COGEBANQUE nka découvert irayamuha. [3] Ari NTAGANDA ari 12,000,000) miliyoni eshatu (3,000,000),ibihumbi magana icyenda na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawo, naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyo. [4] Urubanza rwaciwe ku wa 20/05/2009, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe cumi(910,000)z’abatishoboye bafashwa na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claude.VUP Mahama direct support;

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka ku Me NSABIMANA Cyprien uhagarariye NIYIKIZA Janvier avuga ko kuwa 02/12/2014 yagiranye amasezerano na RUSIZI INTERNATIONAL UNIVERSITY ya fourniture de matériel de bureau, muri ayo masezerano y’umwenda ungana hagenwamo ibikoresho azabaha ibyo aribyo ndetse n‟amafaranga azishyurwa, anahabwa ukwezi kumwe ko kuba yamaze kugezaho ibyo bikoresho kandi ko azamwishyura mu gihe cy‟iminsi 30 kuva bashyikirijwe ibyo bikoresho, ngo akaba yarubahirije inshingano ze ashyikiriza iyo Kaminuza ibikoresho nk‟uko babyumvikanye ariko ntiyishyurwa ahubwo ahabwa chècque itazigamiwe, bityo akaba asaba Urukiko kwemeza ko RUSIZI INTERNATIONAL UNIVERSITY yishyura NIYIKIZA Janvier umwenda w‟amafaranga angana na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvaruganda8.721.100FRWS y‟agaciro k‟ibikoresho imurimo, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo soko. ikamuha indishyi z‟akababaro za 2.000.000frw, ikamwishyura igihembo cya Avocat cya 3.000.000frw n‟amafaranga 200.000frw y‟ikurikirarubanza; [2] Iyo nguzanyo Ntaganda yarayemereweME HABIMANA Alphonse uhagarariye RUSIZI INTERNATIONAL UNIVERSITY mu mwanzuro we no munama ntegurarubanza yo13/01/2016 yireguraga avuga ko ku bijyanye n‟amasezerano yo kuwa 02/12/2014 n‟ubwishyu bwayo byatangiwe ibirego by‟inshinjabyaha n‟impande zombi akaba nta mwanzuro urabifatwaho, aho yavugaga ko basanga hari inzitizi ishingiye ku ihame ry‟amategeko ivuga ko le pénal tient le civil en état bityo akaba asaba ko iki kirego cyaba kiretse kuburanishwa kigategereza iki nshinjabyaha, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %), maze ayasaba COGEBANQUE nka découvert irayamuha. [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawo, naho NTAGANDA asaba mw‟iburanisha ry‟urubanza avuga ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza nzitizi ntayo bagifite kuko habayeho gushyingura dosiye burundu byabaye kuwa 17/11/2015; yakomeje avuga ko ayo masezerano avugwa atayemera kuko atigeze akorwa n‟urwego rubifitiye ububasha ariwe Représantant légal w‟ishuri, kandi nta bikoresho yakiriye, ndetse na chècque itazigamiwe yatanzwe uyu muyobozi wakoze amasezerano y’inguzanyo. [4] Urubanza rwaciwe ku wa 20/05/2009, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frwyaramaze kwirukanwa, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura bakaba basaba Urukiko kwemeza ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 ikirego cya Niyikiza Janvier nta shingiro gifite nokumutegeka guha RIU indishyi zingana na 3.200.000frw y‟ikurikirana rubanza n‟igihembo cya Avocat; ❖ Muri uru rubanza harasuzumwa niba hari amasezerano afite agaciro NIYIKIZA Janvier yagiranye na NTAGANDARUSIZI INTERNATIONAL UNIVERSITY kuwa 02/12/2014 yerekeranye no kugemura ibikoresho (fourniture de matériel de bureau) atarubahirijwe n’uregwa; hakanasuzumwa niba RUSIZI INTERNATIONAL UNIVERSITY yategekwa kwishyura indishyi z’amafaranga y’ibikoresho yahawe angana na 8.721.100FRWS, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frwindishyi z’akababaro, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claude.iz’igihembo cya Avocat n’ikurikiranarubanza;

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka ku masezerano y’umwenda ungana na 222.817.400 frw FINA BANK yahaye NTAGANDA [1].Entreprise NEMEYABAHIZI Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvaruganda, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo soko. [2] Iyo nguzanyo Ntaganda yarayemerewe, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %Entreprise NJB) yakozeamasezerano yo kubakira Coopérative DUHAHIRANE Gisozi inzu y’ubucuruzi ifite niveaux eshatu kumafaranga miliyoni magana atatu mirongo cyenda na bitandatu n’ibihumbi magana atandatu nirongo cyenda na bitandatu na magana abiri mirongo itandatu n’umunani (396.696.268 frw), nyuma aza kongerwahoandi masezerano ya miliyoni ijana na bitatu n’ibihumbi maganane mirongo inani na birindwi na magana ane n’abiri (103.487.402frw), uregwa akora imirimo baramwishyura mubyicyiro bitandukanye, nyuma baza gusanga kumafaranga yafashe, yaratwaye amafaranga arenze ayo bari bagiranye mu masezerano, uregwa yemera kuyishyura ariko ntiyabikora. Ibyo bituma Coopérative DUHAHIRANEGisozi iregera uru Rukiko kungira ngo irenganurwe ; [2].NEMEYABAHIZI Jean Baptiste uburanira Entreprise NJB na Me MPIRIKANYI Gaspard umwunganira ibo bagahakana ko ibyo bitirira Entreprise NEMEYABAHIZI Jean Baptiste batabizi kandi ngo ntibazi naho byakorewe, bagatsemba bahakana ko ibyo baregwa batabikoze. Basaba ko hagobokeshwa TWAHIRWA Jean Claude, Urukiko rurabibemerera hashingiwe kungingo ya 119 CPCCSA ; [3].Umunsi w’iburanisha ry’urubanza mu mizi ryo kuwa 24/04/2014 ababuranyi baritaba, nyamara uwagobokeshejwe ntiyitaba kandi yaramenyeshejwe muburyo bukurikije amategeko, urubanza ruburanishwa adahari, maze ayasaba COGEBANQUE nka découvert irayamuha. [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa hasuzumwa ibi bikurikira :♦ Kwishyura umwenda wa176.703.558 frw y’umwenda uregerwa n’inyungu zawo, naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyo. [4] Urubanza rwaciwe ku wa 20/05/2009, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo ,♦ Amafaranga y’ikurikiranarubanza n’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claude.avoka ;

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka rwatangiriye mu Rukiko Rwisumbuye rwa Gasabo, Alain Assamoi Niangoran arega ENGEN RWANDA Ltd asaba ko yamuha indishyi zinyuranye zikomoka ku iseswa ry’amasezerano y’akazi ryakozwe mu buryo bunyuranyije n’amategeko, kubera ko yasheshe ayo masezerano y’umwenda ungana na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvarugandanta mpamvu ku wa 14/04/2014, uwo mubare ukaba ugizwe n’umwenda kandi yaragombaga kurangira ku wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo soko14/04/2015. [2] Iyo nguzanyo Ntaganda yarayemereweUrwo rukiko rwaciye urubanza n° RSOC 0023/15/TGI/GSBO ku wa 15/10/2015, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %)rwemeza ko Alain Assamoi Niangoran yirukanywe nta mpamvu, maze ayasaba COGEBANQUE nka découvert irayamuharutegeka ENGEN RWANDA Ltd kumuha 135.627.212 Frw y’indishyi z’uko yirukanwe nta mpamvu ikanamusubiza 16.760.694 Frw yiswe retirement fund. [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa ENGEN RWANDA Ltd yajuririye urwo rubanza mu bikorwa uko bikwiyeRukiko Rukuru, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuziitanga impamvu z’ubujurire zitandukanye zirimo n’inzitizi y’iburabubasha bw’inkiko zo mu Rwanda bwo kuburanisha urwo rubanza kuko ubwo bubasha bufitwe n’inkiko zo muri Afurika Yepfo hashingiwe ku ngingo ya 11, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawoagace ka 2, naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyoy’amasezerano y’umurimo bagiranye yavuzwe haruguru. [4] Urubanza rwaciwe Urwo rukiko rwaciye urubanza n° RSOCA 0146/16/HC ku wa 20/05/200931/05/2016, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire ubujurire bwa ENGEN RWANDA Ltd bwakiriwe kuko bwatanzwe mu buryo butumvikanywehobukurikije amategeko, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUEkandi ko bufite ishingiro, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frwrwemeza kandi ko urubanza n°RSOC 0023/15/TGI/GSBO ruhindutse mu ngingo zarwo zose kubera ko inkiko zo mu Rwanda zidafite ububasha bwo kuburanisha uru rubanza. [5] Alain Assamoi Niangoran yajuririye urwo rubanza mu Rukiko rw’Ikirenga avuga ko inkiko zo mu Rwanda zifite ububasha bwo kuburanisha uru rubanza kubera ko ikiburanwa ari iseswa ry’amasezerano y’umurimo ryakozwe mu buryo bunyuranyije n’amategeko, aho kuba ikirego kirebana n’imyitwarire ye mu kazi kigomba gukemurwa na Komite ya Discipline/Disciplinary Committee, kandi ko Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 FrwRukuru rutagombaga kwakira iyo nzitizi kuko yatangiwe bwa mbere muri urwo rukiko igihe cy’iburanisha. [6] FINA BANK yajuririye urwo Nyuma y’iburanisha ry’urubanza mu ruhame ku wa 04/10/2016, uru rukiko rwaciye urubanza rubanziriza urundi ku wa 11/11/2016, rwemeza ko inkiko zo mu Rwanda zifite ububasha bwo kuburanisha uru rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo imikirize y’urubanza n° RSOCA 0146/16/HC rwaciwe n’Urukiko Rukuru ku wa 20/12/2001 yagiranye na NTAGANDA31/05/2016 ihindutse mu ngingo zarwo zose, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu iburanisha ry’urubanza mu mizi rizaba ku mwenda yahaye NTAGANDAwa 24/01/2017. [7] NTAGANDA nawe Nyuma yaho, Me RUTEMBESA Phocas uburanira ENGEN RWANDA Ltd yatanze ubujurire bwuririrye inzitizi muri uru rukiko asaba ko uru rubanza rwasubizwa mu Rukuru Rukuru kugira ngo ruruburanishe mu mizi ku bwa FINA BANK avuga birebana n’izindi ngingo zayo z’ubujurire zitaburanishijwe mbere, naho Me MUNYANEZA Rémy na Me MUGENI Anita baburanira Alain Assamoi Niangoran bakavuga ko hari ibyo urukiko rutamuhaye urubanza rukwiye kuburanishwa mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANKmizi n’uru rukiko. [8] Urubanza rwaburanishijwe Nyuma y’iburanisha ry’urubanza mu ruhame kuri iyo nzitizi ku wa 20/04/2010 no kuwa 27/08/201024/01/2017, FINA BANK uru rukiko rwaciye urubanza rubanziriza urundi ku wa 17/02/2017, rwemeza ko inzitizi yatanzwe na ENGEN RWANDA Ltd y’uko uru rubanza rwaburanishwa mu mizi n’Urukiko Rukuru nta shingiro ifite, ko Urukiko rw’Ikirenga rufite ububasha bwo kuburanisha uru rubanza mu mizi, ko iburanisha ry’urubanza mu mizi n’uru rukiko rizaba ku wa 18/04/2017. [9] Ku wa 18/04/2017, urubanza ntirwaburanishijwe kubera ko uwaburaniraga ENGEN RWANDA Ltd yikuye mu rubanza, maze uwamusimbuye avuga ko yahabwa igihe cyo gutegura urubanza, aragihabwa, iburanisha ryarwo ryimurirwa ku wa 13/06/2017, uwo munsi ugeze, ruburanishwa mu mizi ku birebana n’ubujurire bwatanzwe na ENGEN RWANDA Ltd mu Rukiko Rukuru, ENGEN RWANDA Ltd ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe KABEYA Augustin, naho Alain Assamoi Niangoran ahagarariwe na Me NKURUNZIZA François Xavier MUNYANEZA Remy afatanyije na Me ABAYO MUTABAZI ClaudeMUGENI Anita.

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka ku masezerano y’umwenda ungana [1].Ku itariki ya 30/04/2012, IZIYIGIHE SACCO yagiranye amasezerano yigurizwa na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvaruganda, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo soko. [2] Iyo nguzanyo Ntaganda yarayemerewe, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %)HARERIMANA Théogène, maze ayasaba COGEBANQUE nka découvert irayamuha. IZIYIGIHE SACCO imuguriza amafaranga angana na 300.000 frw nkuko bigaragazwa n’amasezerano y’igurizwa yo kuwa 30/04/2012 ; [2].Mu masezerano HARERIMANA Théogène akaba yariyemereye ko azishyura umwenda ahereye tariki ya 30/05/2012 akageza tariki ya 30/10/2012, akishyura inyungu zisanzwe zibariwe kuri 2% kukwezi, bemeranijwe ko naramuka akerewe kwishyura azaja atanga 10% kukwezi ; [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye]. HARERIMANA Théogène ngo ntiyubahirije ayo masezerano kugezaho IZIYIGIHE SACCO ihisemo kuregera Urukiko, nibwo bombi baregeye umunsi w’iburanisha rw’ibanze ryo kuwa 29/05/2017, uregwa ntiyitaba Urukiko Rukuru rw’Ubucururuzintampamvu, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawokandi yaramenyeshejwe muburyo bukurikije amategeko, naho NTAGANDA urega asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje rwa buranishwa mu kutubahiriza amasezerano y’inguzanyo. [4] Urubanza rwaciwe ku wa 20/05/2009mizi uregwa adahari, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira maze hasuzumwa ibi bikurikira :♦ Ko urubanza rwaburanishwa uregwa adahari,♦ Kwishyura umwenda remezo ,♦ Kwishyura inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Boscozisanzwe n’izubukererwe,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claude.♦ Indishyi zinyuranye ;

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka ku masezerano y’umwenda ungana Ubushinjacyaha bukurikiranye ho NIYIZUKURI Avaldas, NDAYIRAMIJE Albert, NGENDAHIMANA Alphonse, NKURAYIJA Fidel, GATABAZI François, NTIRUSHWAMABOKO Jean de Dieu, MUREKATETE Josiane, BAYINGANA Aphrodis kuba bari muri koperative CATAM bayikorera imirimo y’ubucuruzi bw’inzoga ndetse abandi bari mu buyobozi bwayo ariko ngo amafaranga bacuruzaga bakaba batarayashyikirizaga uwari ushinzwe gucunga umutungo muri koperative ndetse andi agasohoka mu isanduku no kuri konti ya koperative ariko ntahagaragazwe uburyo yakoreshejwe, bakaba bararezwe imbere y’urukiko icyaha cyo kurigisa cyangwa konona umutungo n’icyaha cy’ubuhemu kuri GATABAZI Francois na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvaruganda, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo sokoNKURAYIJA Alphonse. [2] Iyo nguzanyo Ntaganda yarayemereweKuri NIYIZUKURI Avaldas aregwa kuba yari umucungamutungo wa koperative aregwa kuba yararigishije amafaranga 6.070.705 ayasohora ariko ntagaragaza icyo yakoze.NDAYIRAMIJE Albert we aregwa kuba yaracuruzaga ariko amafaranga angana na 403.840 akaba atayashyikirije umucungamutungo wa koperative.NGENDAHIMANA Alphonse nawe aregwa kuba yari umukozi wa koperative agacuruza amafaranga 268.194 akayitwarira. NKURAYIJA Fidel wari perezida wa koperative aregwa icyaha cy’ubuhemu aho ngo yahawe amafaranga n’abakozi amafaranga 559.500 akayitwarira, akagira n’uruhare mu kwangirika kw’inzoga zifite agaciro ka 3.192.000.[3] GATABAZI Francois aregwa icyaha cy’ubuhemu n’icyo kurigisa umutungo ngo akaba yarishyurije koperative amafaraga 480.640 ntayashyikirize ababishinzwe. NTIRUSHWANABO Jean de Dieu nawe aregwa kuba yaracuruje inzoga amafaranga 163.870 ntayashyikirizeabashinzwe gucunga umutungo. MUREKATETE Josiane nawe ngo yacuruje 5.227.000 ariko ntiyayashyikiriza abashinzwe gucunga umutungo wa koperative, ndetse na BAYINGANA Aphrodis akaba ashinjwa gucuruza amafaranga 712.000 ntayashyikirize ababishinnzwe. Ubushinjacyaha buvuga ko hari ibimenyetso bibashinja bugasaba ko bahanishwa igifungo cy’imyaka icumi n’ihazabu y’amafaranga buri wese aregwa gukuba inshuro eshanu, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision kuri GATABAZI na NKURAYIJA busaba ko bahanishwa igifungo cy’imyaka itatu no gusubiza amafaranga ya 20 %), maze ayasaba COGEBANQUE nka découvert irayamuha. [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawo, naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyokoperative babazwa. [4] Urubanza rwaciwe ku wa 20/05/2009Abaregwa bose bahakana ibyaha baregwa, rwemeza bagasaba ko FINA BANK igomba kwishyura Ntaganda barenganurwa kuko ngo ayo mafaranga ntayo barigishije. NIYIZUKURI akavuga ko impapuro zose yazitanze mu ihererekanya, NDAYIRAMIJE we yavuze ko yagize igihombo kandi hakaba hari amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe yamaze kwishyura, NGENDAHIMANA we avuga ko atari umucuruzi. GATABAZI we avuga ko yari ashinzwe gushaka amasoko muri koperative, ko amafaranga yishyurwaga yayashyiraga kuri konti ariko ko hari ayo yemera ; NTIRUSHWAMABOKO avuga ko atariumucuruzi, ko iznoga yishyuzwa ari izo yahawe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA koperative yagize bitewe nuko Bank itamwishyuriye ingwate ubukwe. MUREKATETE we avuga ko amafaranga yose yacuruje yayatangaga akaba atazi aho ayo aregwa yaturutse.BAYINGANA Aphrodis avuga ko atari umukozi ucururiza koperative ahubwo ko yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) umwishingizi w‘umuntu wari warumvikanye na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frwkoperative gucuruza inzoga zayo. [5] NKURAYIJA yarezwe icyaha cy’ubuhemu, GATABAZI we aregwa icyaha cyo kurigisa umutungo n’icy’ubuhemu, ubunganira mu rubanza Me MUSAFIRI Ephrem ubunganira akaba yaragaragaje inzitizi avuga ko icyaha cy’ubuhemu kitari mu bubasha bw’uru rukiko ko urukiko rwakwiyambura ububasha kuri bo. Urukiko rwategetse rwasuzumye inzitizi rwemeza ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuweNKURAYIJA Alphonse uregwa gusa icyaha cy’ubuhemu akwiye kuburanira mu rukiko rufite ububasha bwo kuburanisha icyo cyaha mu rwego rwa mbere, yose hamwe rwemeza ko kandi GATABAZI uregwa icyaha cy’ubuhemu n’icyo kurigisa umutungo uru rukiko rufite ububasha bwo kumuburanisha ku byaha byombi kuko rufite ububasha bwo kuburanisha icyaha cyo kurigisa umutungo kandi akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frwarirwo rwo hejuru ku rufite ububasha bwo kuburanisha icyaha cy’ubuhemu. [6] FINA BANK yajuririye urwo rubanzaUrukiko kandi rwakoze iperereza aho koperative CATAM yakoreraga rusanga aho yakoreraga harafunzwe ndetse itanagikora kuko ngo yahombe ntirwabasha kubona ibitabo rwari rukeneye, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDAariko rubasha kuvugana n’uwari Perezida wayo ndetse n’umwe mu bari abagenzuzi. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye Nyuma y’uko iperereza rikorwa urubanza rwasubukuwe ababuranyi baregwa badahari kuko bari bamenyeshejwe itariki urubanza ruzasubukurirwaho ikaba ikiruhuko ariko ntibongere gukurikirana urubanza. Urutonde rw’ibibazo bigomba gusuzumwa mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira rubanza : - Kumenya niba ibimenyetso bigaragazwa n’ubushinjacyaha bihamya abaregwa icyaha cyo kurigisa cyangwa konona umutungo n’icy’ ubuhemu (kuri GATABAZI Francois) ;- Kumenya niba ibihano ubushinjacyaha busabira abaregwa aribyo bakwiye guhanishwa mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claude.gihe icyaha cyaba kibahamye ;

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka ku masezerano y’umwenda ungana NSENGIYUMVA Jean Paul aregwa n’ubushinjacyaha icyaha cyo kurigisa umutungo n’ icyaha cyo guhimba inyandiko, akaba ashinjwa kuba ubwo yari umukozi wa DUTERIMBERE Ltd ishami rya Kayonza akora nka caissier yarakoze icyo bita depot/versement fictif y’amafaranga angana na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvaruganda, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate miliyoni eshatu n’ibihumbi magana abiri (3.200.000 frws) kuri iryo soko. [2] Iyo nguzanyo Ntaganda yarayemerewecompte y’uwitwa Kabera Saleh ifite No 1082458 ibarizwa muri DUTERIMBERE ayita ko ari umushahara w’ukwezi k’ Ukwakira 2014, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %), maze ayasaba COGEBANQUE nka découvert irayamuha. [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawo, naho NTAGANDA asaba we agahita ayabikuza kubera ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje compte yari muri neagtif banki ikaba yarahise ikata ayayo igihumbi asigaye 3.199.000 aba ariyo abikuza ahita anatoroka akazi, ibyo aregwa kuba yarabikoze kuwa 6/2/2015, ariko mu kutubahiriza amasezerano y’inguzanyokwezi kwa 23/1/2015 akaba yari yabikuje amafaranga ibihumbi 500.000 kuri konte ya Eastern Youth for Development ariko aho babimenyeye ahita ayasubizaho. [4NSENGIYUMVA Jean Paul rero akaba akurikiranyweho icyaha cyo kurigisa imutungo; ubushinjacyaha buvuga ko hari ibimenyetso bikimushinja, bugasaba ko yahanishwa igifungo cy’imyaka icumi n’ihazabu y’amafaranga 18.495.000[2] Urubanza rwaciwe ku wa 20/05/2009Ku munsi w’iburanisha NSENGIYUMVA Jean Paul ntiyitabye urukiko, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire akaba yari yaramenyeshejwe itariki yo kuburana mu buryo butumvikanywehobukurikije amategeko ariko agasaba ko urubanza rusubikwa kuko yavugaga ko ashaka umwunganira, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe munsi rwimuriweho yasabye ko rwasubikwa kuko arwaye igihe cyashyizweho cy’iburanisha akaba ataritabye, urukiko rukaba rwarafashe icyemezo cyo kuruburanisha adahari.-Urukiko rurasuzuma muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, uru rubanza ibyerekeranye no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari kumenya niba ibimenyetso bigaragazwa n’ubushinjacyaha bihamya NSENGIYUMVA Jean Paul icyaha cyo kurigisa umutungo n’icyaha cyo guhimba inyandiko no kumenya ibihano yahanishwa ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claudebyaha biramutse bimuhamye.

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka ]. Nyampinga Chantal yunganirwa na Me NZAYISENGA avuga ko yatangiye gukorera Equity Bank Rwanda Ltd kuwa 30/04/2011, ngo akora neza inshingano ze ndetse agenda ahabwa amanota meza mw’isuzumamikorere ariko kuwa 16/01/2015 ngo aza gutungurwa no gusezererwa abwirwa ko atabaye inyangamugayo mu mikoranire ye n'abakiriya no kutagera ku masezerano y’umwenda ungana na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvarugandantego (lack of integrity and continous nonperformance) nyamara ngo aribwo yaramaze kuzamurwa mu ntera kubera gukora neza. Avuga ko yasezerewe hashingiwe ngo ku ikosa rikomeye ariko ngo ntiyigeze arimenyeshwa ngo aryisobanureho cyangwa mu gusezererwa ngo ahabwe integuza, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo sokoimperekeza n’icyemezo cy’imirimo yakozwe. Me Nzayisenga avuga ko banki yashingiye y’uko hari inguzanyo yatanzwe Nyampingaabigizemo uruhare, umukiriya ananirwa kwishyura ariko ngo bibaye ari nabyo, ngo ntabwo ryaba ari ikosa rikomeye ku buryo umuntu yakwirukanwa atanisobanuye ndetse no kutagera ku ntego mu kazi nabyo ngo ntabwo ari ikosa rikomeye ryatuma umukozi ahita asezererwa atabanje kumenyeshwa ikosa yakoze. Ikindi ngo n’uko inguzanyo yigwa n'abantu 5 dosiye ikoherezwa ku cyicyaro gikuru i Kigali nabo bakabyigaho inguzanyo ikabona gutangwa. Me Nzayisenga avuga ko yasezerewe kuwa 16/01/2015 nyamara mu kwezi kwa 12 yari yarazamuwe mu ntera kubera gukora neza. [2] Iyo nguzanyo Ntaganda yarayemerewe]. Me NGEZAHAYO Bernard uburanira Equity Bank Rwanda Ltd we avuga ko Nyampinga Chantakl yakoze ikosa rikomeye asezererwa nta nteguza. Avuga ko hatanzwe inguzanyo ku muntu w’inshuti ye yari yarahaye agaciro ko hejuro ingwate ye, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %), maze ayasaba COGEBANQUE nka découvert irayamuhabituma ngo ananirwa kuyishyura banki nayo ihita isesa amasezerano. [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye, nibwo bombi baregeye Me NGEZAHAYO avuga ko banki icuruza amafaranga kuburyo ngo itakwihanganira umukozi utari inyangamugayo watuma banki ihomba. Avuga ko Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawo, naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyo. [4] Urubanza rwaciwe ku wa 20/05/2009, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire ruramutse rusanze yarasezerewe mu buryo butumvikanywehobunyuranye n’amategeko kandi ntahabwe ibyo amategeko amuteganyiriza, 79 054 025 Frw aturuka ngo yahabwa integuza ukwezi kumwe n’imperekeza ukwezi kumwe ndetse n’indishyi zo gusezererwa binyuranye n’amategeko umushahara we w’amezi atatu. Asaba Urukiko kumutegeka guha Banki, Indishyi zo kushora mu manza n’igihembo cy’avoka. ▪ Ibibazo bigomba gusuzumwa muri uru rubanza ni ukumenya niba impamvu zivugwa na Equity Banki zashingiweho Nyampinga asezererwa mu kazi n’impamvu zigaragara mw’ibaruwa isesa amasezerano zirimo kubura ubunyangamugayo no kumara igihe atagera ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ntego zaba ari impamvu zumvikana kandi zifite ishingiro zari gutuma urega asezererwa cyangwa niba nta shingiro zifite nk’uko urega abivuga ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, yahohotewe asezererwa atamenyeshejwe impamvu zo gusesa amasezerano; kumenya niba Indishyi zindi asaba nk’uko zikubiye mu kirego Nyampinga akwiye kuzihabwa cyangwa niba atazikwiye nk’uko uregwa avisaba no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claudekumenya niba Indishyi z’ikurikiranarubanza n’igihembo cy’avoka impande zombi zisaba bakwiye kubihabwa.

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka ku masezerano y’umwenda ungana BAKUNDUKIZE Elias uhagarariwe na 222.817.400 frw FINA BANK yahaye NTAGANDA Me HABANIMFURA Michel avuga ko mu mwaka wa 1987 yaguze muri cyamunara umutungo wa Butaza Laurent watejwe cyamunara kubera umwenda yari afitiye Banki y’Abaturage y’icyahoze ari Komini Rwamatamu, akaba yaraguzemo imitungo iherereye mu murenge wa Kirimbi igizwe n’amasambu atatu ndetse n’inzu y’ubucuruzi; ngo mu 1994 Bakundukize n’umuryango we bavuye mu gihugu ntawe bayisigiye maze NIYONAGIZE Pierre yaje kuyigabiza atangira gukodesha inzu, asarura n’ikawa ndetse arimburamo ibiti 400 ahahindura imirima yo kubyazamo umusaruro; ngo mu mwaka wa 2011 akaba aribwo yatahuye ko imitungo ye bayigabije atuma uwitwa UGIRAMAHIRWE Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvarugandaBosco kuyimwandikishaho ngo ariko hasigara isambu ifite no 768 uregwa yiyandikishijeho, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo soko. bityo akaba asaba urukiko kumutegeka kuva mu mutungo we kandi rukemeza isambu ifite no 768 imwandikwaho, kandi akamuha indishyi; [2] Iyo nguzanyo Ntaganda yarayemereweNIYONAGIZE Pierre avuga ko impamvu aba muri uwo mutungo uburanwa ari uko ari uwa se Butaza Laurent, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %)ngo ubwo se yahungiraga muri Congo akaba yarayisubijwe n’inzego z’ubuyobozi kubera abantu bari barayibohoje, maze ayasaba COGEBANQUE nka découvert irayamuha. ndetse nyuma akaba yaraje kuyimwandikishaho mw’ibarura ry’ubutaka, ngo inyandiko zivuga ko byatejwe cyamunara akaba ari izo bahimba, bityo akaba asaba kurenganurwa kuko bashaka kuwugurisha kuko Butaza Laurent yahakanye ko ari umwana we akamwemezwa n’Urukiko ngo uwo mutungo akaba awufiteho uburenganzira; [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa Me NDAGIJIMANA Pierre avuga ko basanga Butaza Laurent yagobokeshwa mu bikorwa uko bikwiyerubanza kugirango asobanure ukuntu yatanze iyo mitungo, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzikuko basanga harimo uburiganya, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawobitewe n’uko batumva ukuntu yabitanga kandi hari umuzungura utemera ukuntu byatanzwe, naho NTAGANDA asaba ko akaba yemerewe gutambamira igurishwa ryayo kuko hari n’indezo yagombaga kujya ahabwa, byongeye bakaba batagaragaza igihe cyamunara byagurishijwemo yabereye, bityo bakaba basanga iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyo. mitungo itarigeze iba iya Bakundukize Elias; [4] Urubanza rwaciwe Mbere y’uko urubanza rucibwa, Urukiko rwafashe icyemezo mu rubanza cyo kubanza gukora iperereza rukagera ku wa 20/05/2009biro by’umwanditsi bw’ubutaka mu Karere ka Nyamasheke, rwemeza kureba niba ibyemezo by’ubutaka n’umutungo uburanwa hari ibyaba byanditse kuri Butaza Laurent cyangwa kuri Niyonagize Pierre no kuri Bakundukize Elie, nyuma rufata icyemezo gisaba umubitsi w’inyandikompamo z’ubutaka amakuru y’abantu banditswe kubutaka buburanwa, urubanza rukaba rwarasubukuwe maze ababuranyi babwirwa ibyavuye mw’iperereza; ⮚ Muri uru rubanza harasuzumwa niba Butaza Laurent yagobokeshwa mu rubanza; harasuzumwa niba ibyemezo by’ubutaka by’ubukode burambye, n’inyandiko Butaza Laurentyanditse yemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire imitungo ye yagurishijwe mu buryo butumvikanywehocyamunara, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe byashingirwaho nk’ibimenyetso bigaragaza ko imitungo iburanwa ari iya Bakundukize Elias; Gusuzuma niba ubuhamya bw’abatangabuhamya babajijwe mu Rukiko b’impande zombi bwashingirwaho; gusuzuma niba Niyonagize Pierre afite uburenganzira bwo kuguma gutunga imitungo iburanwa cyangwa niba yategekwa kuyivamo kandi niba isambu ifite no 768 yakwandikwa kuri Bakundukize Elias; no gusuzuma ibijyanye n’indishyi zisabwa n’ababuranyi bombi muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo uru rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claude.;

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka Nyuma y`impanuka yatejwe n`imodoka BENZ RAA 024 V yari ifite ubwishingizwi bwa CORAR SA ku masezerano y’umwenda ungana itariki ya 12/03/2005 ikagonga imodoka ya Kayijuka Bonaventure yo mu bwoko bwa Camion ISUZU ifite plaque RAA 778 D yari ifite ubwishingizi muri SORAS SA ikononekara cyane, CORAR SA yumvikanye na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvaruganda, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo soko. [2] Iyo nguzanyo Ntaganda yarayemereweKayijuka Bonaventure ko imukoreshereza iyo modoka yifashishije Garage EKA Kayijuka Bonaventure yari yihitiyemo, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision nyuma y`itangizwa ry`imirimo havuka amakimbirane ashingiye ku miterere ya 20 %cabine CORAR SA yari yaguze ishaka kuyisimbuza iyari yononokaye, impande zombi ntizabasha kwikemurira ayo makimbirane yahagaritse imirimo y`isanwa ry`iyo modoka, Kayijuka Bonaventure yitabaza Urukiko Rwisumbuye rwa Nyarugenge.[2] Mu icibwa ry`urubanza RC 1754/05/TP/KIG, Urukiko Rwisumbuye rwa Nyarugenge rwemeje ko Kayijuka Bonaventure agurirwa indi camion nshya yo mu bwoko bw`ISUZU ifite agaciro ka 50.000.000 Frw kubera ko iye yatinze gusanwa ikononekara cyane, runategeka CORAR SA kwishyura Kayijuka Bonaventure indishyi zinyuranye zingana na 130.600.000 Frw ( 129.600.000 Frw y`ikiguzi cy`igihe imodoka imaze ihagaze idakora, na 1.000.000 Frw yo mu rwego rw`ikurikiranarubanza n`igihembo cy`Avoka ), maze ayasaba COGEBANQUE nka découvert irayamuhaindishyi zingana na 100.000 Frw za burimunsi abariwe ku minsi 24 y`akazi mu kwezi mu gihe cyose CORAR SA izaba itarishyura Kayijuka Bonaventure ibyo yategetswe kumuha, kwishyura 100 Frw ya buri munsi wa nyuma y`igihe urubanza rubaye itegeko mu gihe cyose CORAR SA izaba itarishyura Kayijuka Bonaventure, CORAR SA inategekwa gutanga 19.400 y`amagarama y`urubanza.[3] CORAR SA ntiyishimiye imikirize y`uru rubanza irujuririra mu Rukiko Rukuru, ikirego cyayo cyandikwa mu gitabo cy`ibirego kuri RCA 0198/09/HC/KIG. [3] Ari NTAGANDA Ibibazo bigaragara muri uru rubanza urukiko rugomba gufataho umwanzuro ni bibiri, ikibazo cya mbere kikaba ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawoicyo kumenya niba urubanza RC 1754/05/TP/KIG rwaraciwe ku kitararegewe ntirunasobanure impavu z`icyemezo cyafashwe ngo hanagaragazwe ibimenyetso bishingiweho ( statuer ultra petita et absence de motivation et preuves ), naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje ikibazo cya kabiri kikaba ari icyo kumenya niba hari ibimenyetso byatanzwe mu kutubahiriza amasezerano y’inguzanyo. [4] Urubanza rwaciwe rubanza urukiko ntirubisuzume ngo rugire icyo rubivugaho nyamara byari kugaragaza ukuri kwashingirwaho mw`ifatwa ry`umwanzuro uboneye ku wa 20/05/2009, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claudekirego rwari rwashyikirijwe.

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka Tariki ya 16/9/2014 Urukiko rw’Ibanze rwa Kacyiru rwaciye urubanza RC 0101/14/TB/KCY, rwemeza ko habaye ubutane hagati ya RUBERWA Gratien na MUKARUGIRA Béatrice kubera amakosa y’umugabo yo guta urugo mu gihe cy’imyaka cumi n’ine (14). Rwategetse ko icyemezo cyo gutandukana cyandikwa mu bitabo by’irangamimerere byaho bashyingiriwe mu cyahoze ari Komini Rubungo, rutegeka ko inzu bafitanye iri Kacyiru mu kibanza No 528, inzu iri i Kinihira muri Rurindo mu kibanza No 3527/RUL/KIN n’isambu iri Kinihira ibaruwe kuri No 220/RUL/KIN bigenerwa agaciro bikagabanywamo kabiri (½) ku masezerano y’umwenda ungana na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvarugandaburyo bungana, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo sokouwabishaka agasubiza undi uruhare rwe akabigumana, bitakorwa, ubishaka agasaba ko birangizwa ku ngufu za Leta. [2] Iyo nguzanyo Ntaganda yarayemereweMUKARUGIRA Béatrice ntiyishimiye icyemezo cy’Urukiko rw’Ibanze rwa Kacyiru ajurira mu Rukiko Rwisumbuye rwa Gasabo kubera impamvu zikurikira:✓ Kuba Urukiko rw’Ibanze rwa Kacyiru rutarageneye aho abana bagomba kuba n’ikigomba kubatunga. ✓ Kuba hari imitungo Urukiko rutagize icyo ruvugaho igizwe n’inzu iri mu Mudugudu wa Tetero, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %)Akagari ka Kabuye, maze ayasaba COGEBANQUE nka découvert irayamuhaUmurenge wa Jabana, Akarere ka Gasabo n’imodoka taxi minibus Toyota Hiace ifite plaque RAA 550M. ✓ Kuba inzu iri Kacyiru yarashyizwe mu bigomba kugabanwa kandiRUBERWA Gratien yarayimuhaye mu nyandiko yo kuwa 06/01/2013. [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiyeMe RUSANGANA Jean Claude uburanira RUBERWA Gratien avuga ko abana bakuze badashobora guhabwa indezo, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawoko kandi bafite uburenganzira bwo kuba aho bashaka, naho NTAGANDA asaba ku nzu iri Jabana akavuga ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyonta bimenyetso bigaragaza ko ihari, naho ku nzu iri Kacyiru akavuga ko itigeze ihabwa MUKARUGIRA Béatrice n’abana be. [4] Urubanza rwaciwe ku wa 20/05/2009, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe Uru rubanza rwaburanishirijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010tariki ya 10/11/2014, FINA BANK ihagarariwe MUKARUGIRA Béatrice ahagarariwe na Me RUZINDA Alphonse, RUBERWA Gratien ahagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claude.

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka ku masezerano y’umwenda ungana BUGINGO Emmanuel wunganirwa na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvarugandaMe NZAYISENGA Francis, uwo mubare ukaba ugizwe n’umwenda avuga ko mu mwaka wa 200.000.000 frw 2008, ubwo Hotel MUHABURA yari mu bwubatsi bwo kwagura aho ikorera i Musanze, umuyobozi w’iyi Hotel GATARAYIHA Desire yamubwiye ko BRD yatinze kuyiha amafaranga y’inguzanyo yari yarayemereye, nibwo yamusabye kuba abahaye 7.000.000Frw yo gukora ibikorwa byihutirwa bakazayamusubiza BRD yabahaye inguzanyo. BUGINGO Emmanuel avuga ko yamuhaye ayo mafaranga 7.000.000 naho GATARAYIHA Desiré amusinyiraga sheki, igihe cyo kuyibikuza kigeze ubuyobozi bwa Hotel bumubwira ko yaba yihanganye ko abagize umuryango bazicara hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo soko. bakamushakira amafaranga, bakaba barakomeje kumuha ikizere, biza kugera kuwa 14//07/2016 ubwo noneho umuyobozi wa Hotel MUHABURA yamubwiraga ko yajya kurega nk’uko abandi babigenje; [2] Iyo nguzanyo Ntaganda yarayemereweUmuyobozi wa Hotel MUHABURA uburanirwa na Me NDAYISHIMIYE Jean Paul, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %avuga ko Hotel MUHABURA idafite ubuzima gatozi, ko ari izina ry’ubucuruzi ( non commercial), maze ayasaba COGEBANQUE nka découvert irayamuhakandi ikaba itarigeze ituma GATARAYIHA Desiré kuyisabira umwenda kuko itari iyakeneye kuko mu mwaka wa 2008 yari yarahawe umwenda na BRD. [3] Ari NTAGANDA Mu gihe cy’iburanisha kandi Me NDAYISHIMIYE Jean Paul uburanira Hotel MUHABURA yatanze inzitizi avuga ko, harezwe utaragombaga kuregwa kuko yareze Hotel MUHABURA kandi ari na FINA BANQUE bose binubiye uburyo izina ry’ubucuruzi, ko yari kuregaumuyobozi mukuru wayo RUSINGIZANDEKWE Gaudence, asaba kandi ko hagaragazwa amasezerano adashyirwa mu bikorwa uko bikwiye, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawo, naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyo. yo kuguriza Hotel bagiranye; [4] Urubanza rwaciwe Me NZAYISENGA Francis yiregura ku wa 20/05/2009nzitizi, rwemeza ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye yareze uwo bagiranye amasezerano, ni Hotel MUHABURA, kandi ko niyo yaba idafite ubuzima gatozi biremewe ko yaregwa nk’uko ingingo ya 2CPCCSA ibiteganya, kandi ko amasezerano bagiranye yo kumuguriza nayo ahari akaba atari amahimbano nk’uko babivuga, kuko yemeraga ayo masezerano ariko akavuga ko yakozwe n’utabifitiye ububasha; [5]Urukiko rurasuzuma ibyerekeranye no kumenya niba hararezwe utaragombaga kuregwa, mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira gihe Urukiko rusanze ikirego cyakwakirwa hasuzumwe niba umwenda uregerwa ugomba kwishyurwa na HOTEL MUHABURA mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claudeizina ry’umuyobozi wayo.

IMITERERE Y’URUBANZA. 1] Uru rubanza rukomoka Rutamu Jean de Dieu yagiranye amasezerano yo kubitsa na IMF URUMULI ku masezerano y’umwenda ungana na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvarugandagihe cy’umwaka, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo sokoashyiramo 10.000.000 Frw. Tariki 12/06/2006, Rutamu yabikuje5.000.000 Frw, hasigara andi 5.000.000Frw. BNR yaje gufata icyemezo cyo guhagarika microfinance URUMURI igihe mu gihugu hari ibibazo bya za microfinances zidakora neza. [2] Iyo nguzanyo Ntaganda yarayemereweIgihe hafatwaga ingamba zo kugoboka abari barabikije amafaranga muri microfinances zafunze1, hakemezwa ingamba zo kugoboka abari abakiriya babikijemo amafaranga, Rutamu nawe yagiye gusaba aye ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %)BNR irayamwima imubwira koatujuje ibyangombwa byemejwe n’Inama y’Abaminisitiri kuko adafite agatabo ka banki.Rutamu yashyikirije ikibazo cye Urukiko Rukururw’Ubucuruzi, maze ayasaba COGEBANQUE nka découvert irayamuharwemeje ko ikirego cye gifite ishingiro, rutegeka BNR kumuha 2.500.000 Frw ahwanye na 50% y’ayo yari afite muri IMF URUMURI na 300.000 y’igihembo cya avoka. [3] Ari NTAGANDA BNR yajuririye Urukiko rw’Ikirenga irusaba gukosora amakosa yakozwe n’umucamanza wa mbere nk’aho yavuze ko BNR ariyo yashyizeho ikigega kigobokaabari barabikije muri microfinances zafunze nyamara yari yarahawe gusa inshingano zo kugicunga. Ikindi ngo ni uko urukiko rwavuzeko amafaranga rugeneye Rutamu ari impano kandi azasubizwa. BNR na FINA BANQUE bose binubiye none ntiyumva uburyo amasezerano adashyirwa mu bikorwa uko bikwiyeRutamu yahawe 50% y’amafaranga yari yarabikije hirengagijwe ko atari yujuje ibyangombwa 1 ONGERA microfinance SA, nibwo bombi baregeye Urukiko Rukuru rw’UbucururuziINTAMBWE microfinance SA, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawoURUMURI microfinance SA,GWIZA microfinance SA, naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyoCompagnie de microfinance URUGERO, COOPEC IWACU, COOPEC INTERA, COOPEC UBUMWE et COOPEC GISUBIZO.byasabwaga, akanagenerwa n’amafaranga y’igihembo cya Avoka kandi nta gusobanura impamvu ayahawe. [4] Urubanza rwaciwe ku wa 20/05/2009, rwemeza Rutamu nawe yajuririye zimwe mu ngingo z’urubanza atishimiye nko kuba Urukiko rwaravuze ko FINA BANK igomba kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate rwamugeneye ari impano kandi icyo rwakoze ari ukumusubiza aye yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi yarabikije. Avuga kandi ko atishimiye kuba ataragenewe indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frwyari yasabye kandi BNR yaramuruhije yanga kumuha amafaranga ye. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuweIburanisha ry’urubanza ryabaye kuwa 12/05/2011, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK BNR ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe Byiringiro Jacques naho Rutamu ahagarariwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI ClaudeMihigo Bienvenu.

IMITERERE Y’URUBANZA. 1] Uru BADER Sarl, igizwe na Bigishiro Kambali, Shema Nkwano, Djuma Pili John iyobowe na Bigishiro Kambali yatse inguzanyo zitandukanye muri BCR irazihabwa. Zimwe zirishyurwa izindi ntizishyurwa. Amafaranga atarishyuwe nk’uko bivugwa na BCR angana na 34.193.006FRW. Mu gihe cyose BADER yahabwaga inguzanyo yasabwaga kwishingirwa n’abayigize aribo Kambali Bigishiro, Shema wa Nkwano na Djumapili John..[2] BCR yaje kubona ko inguzanyo yahaye BADER zitishyurwa itanga ikirego mu Rukiko rwa Mbere rw’Iremezo rwa Kigali ku wa 27/09/2001 cyandikwa kuri RC 36.099/01. Nyuma y’ivugurura ry’inzego z’ubucamanza, urubanza rwaje kuburanishwa kandi rucibwa n’Urukiko Rwisumbuye rwa Nyarugenge, urugereko ruburanisha imanza z’ubucuruzi. Mu iburanisha ry’urwo rubanza rukomoka ryo ku masezerano y’umwenda ungana na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvaruganda, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na22.817.400 yishyuwe Leta ho ingwate kuri iryo soko. [2] Iyo nguzanyo Ntaganda yarayemerewe, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %), maze ayasaba COGEBANQUE nka découvert irayamuha26/07/2006 hitabye gusa BCR naho abandi baburanyi batitabye kandi barahamagawe mu buryo bukurikije amategeko. [3] Ari NTAGANDA ari BCR iburana mu Rukiko Rwisumbuye rwa Nyarugenge yasabye ko yakwishyurwa umwenda remezo wa 34.193.006FRW n’inyungu zawo zingana na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa 19% zibarwa kugeza urubanza rusomwe (7/09/2006). Urukiko rwasanze BADER n’abayishingiye bagomba kwishyura: • 83.754.031Frw y’umwenda remezo n’inyungu zawo;• amafaranga y’ibyakozwe mu bikorwa uko bikwiyerubanza hashingiwe ku masezerano angana na 10% ya 83.754.031= 8.375.403FRW ;• 2500FRW y’ingwate y’amagarama. Amafaranga yose yagombaga kwishyurwa BCR ni 92.131.934Frw. BADER, nibwo bombi baregeye Urukiko Rukuru rw’UbucururuziKambali Bigishiro, Banki iregera kwishyurwa umwenda wa176.703.558 frw y’umwenda n’inyungu zawo, naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyoDjumapili na Shema wa Nkwano bategetswe gufatanya kwishyura aya mafaranga. [4] Urubanza rwaciwe Kambali Bigishiro yaje kumenyeshwa imikirize y’urubanza ku wa 20/05/200908/06/2007 maze arujuririra ku wa 06/07/2007 mu Rukiko Rukuru rw’Ubucuruzi. Mu kujurira kwe yatanze impamvu 2. Iya mbere nuko Urukiko rwamutegetse gufatanya na BADER, rwemeza ko FINA BANK igomba Djumapili John, Shema wa Nkwano kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme),53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673FrwBCR kandi atarigeze aba umwishingizi. Indi mpamvu yatanzwe irebana n’inyungu yategetswe kwishyura. [5] Ku wa 06/10/2008 nibwo Urukiko rwategetse Rukuru rw’Ubucuruzi rwaburanishije urubanza ku bujurire rwashyikirijwe na Kambali Bigishiro. Uhagarariye Kambali yavuze ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye uwo ahagarariye atishingiye BADER, ko hakurikijwe ibiteganywa mu ngingo ya 555 y’Igitabo cya Gatatu cy’Urwunge rw’Amategeko Mbonezamubano, Kambali Bigishiro atagomba gufatwa nk’umwishingizi wa BADER, ndetse n’inyungu zingana na Crédit de décaissement na 93 315 478 Frw 46.543.793FRW zikaba nta shingiro zifite. Uhagarariye BCR we ntiyasobanuye uko Kambali yaba yarishingiye BCR, ahubwo yavuze inkomoko y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frwwishyuzwa n’uko inyungu zawo zabazwe. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo rwaciye urubanza ku wa 20/12/2001 yagiranye 05/11/2008 ruvuga ko ibikubiye mu ngingo ya 555CCLIII bitubahirijwe, bityo urubanza rwaciwe na NTAGANDA, kuba rwaremeje nta mpamvu TGI Nyarugenge rukaba ruvuyeho kubirebana n’uko Kambali Bigishiro yaba yarishingiye BADER. Naho kubirebana n’inyungu z’ikirenga Urukiko rwavuze ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye rutabisuzuma kuko Kambali atari mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco,NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claudebagomba kwishyura.