Contract
URUKIKO RW’IKIRENGA RURI I KIGALI RUHABURANISHIRIZA IMANZA Z’UBUCURUZI, RUKIJIJE MU RUHAME URUBANZA RCom AA 0014/08/CS MU BURYO BUKURIKIRA:
HABURANA:
Uwajuriye: BCR Na
Uwarezwe: Kambali Bigishiro
Ikiburanwa: kujuririra urubanza rwaciwe n’Urukiko Rukuru rw’Ubucuruzi (recouvrement d’une créance de 34.193.006 en principal et des intérêts arrêtés provisoirement au 19/9/2001, ses intérêts de 19% jusqu’au paiement, frais de procédure et de recouvrement de 10%, autres frais de débours / recovery of a credit of 34.193.006, its interests of 19% until the payment, and covering costs of
proceedings of 10%, other expenses)
I. IMITERERE Y’URUBANZA
[1] XXXXX Sarl, igizwe na Bigishiro Kambali, Xxxxx Xxxxxx, Xxxxx Xxxx Xxxx xxxxxxx 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 XXXXX yahabwaga inguzanyo yasabwaga kwishingirwa n’abayigize aribo Kambali Bigishiro, Shema wa Nkwano na Djumapili Xxxx.
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[2] BCR yaje kubona ko inguzanyo xxxxxx XXXXX 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 xxxxx xxxxxxx n’Urukiko Rwisumbuye rwa Nyarugenge, urugereko ruburanisha imanza z’ubucuruzi. Mu iburanisha ry’urwo rubanza ryo ku wa 26/07/2006 hitabye gusa BCR naho abandi baburanyi batitabye kandi barahamagawe mu buryo bukurikije amategeko.
[3] BCR iburana mu Rukiko Rwisumbuye rwa Nyarugenge yasabye ko yakwishyurwa umwenda remezo wa 34.193.006FRW n’inyungu zawo zingana na 19% zibarwa kugeza urubanza rusomwe (7/09/2006). Urukiko rwasanze XXXXX n’abayishingiye bagomba kwishyura:
• 83.754.031Frw y’umwenda remezo n’inyungu zawo;
• amafaranga y’ibyakozwe mu rubanza 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. XXXXX, Kambali Bigishiro, Djumapili na Shema wa Nkwano bategetswe gufatanya kwishyura aya mafaranga.
[4] Kambali Bigishiro yaje kumenyeshwa imikirize y’urubanza ku wa 08/06/2007 maze arujuririra ku wa 06/07/2007 mu Rukiko Rukuru rw’Ubucuruzi. Mu kujurira kwe yatanze impamvu 2. Iya mbere nuko Urukiko rwamutegetse gufatanya xx XXXXX, Djumapili Xxxx, Shema wa Nkwano kwishyura BCR kandi atarigeze aba umwishingizi. Indi mpamvu yatanzwe irebana n’inyungu yategetswe kwishyura.
[5] Ku wa 06/10/2008 nibwo Urukiko Rukuru rw’Ubucuruzi rwaburanishije urubanza ku bujurire rwashyikirijwe na Kambali Bigishiro. Uhagarariye Kambali yavuze ko uwo ahagarariye atishingiye XXXXX, ko hakurikijwe ibiteganywa mu ngingo ya 555 y’Igitabo cya Gatatu cy’Urwunge rw’Amategeko Mbonezamubano, Kambali Bigishiro atagomba gufatwa nk’umwishingizi wa XXXXX, ndetse n’inyungu zingana na 46.543.793FRW zikaba nta shingiro zifite. Uhagarariye BCR we ntiyasobanuye uko Kambali yaba yarishingiye BCR, ahubwo yavuze inkomoko y’umwenda wishyuzwa n’uko inyungu zawo zabazwe.
[6] Urukiko rwaciye urubanza ku wa 05/11/2008 ruvuga ko ibikubiye mu ngingo ya 555CCLIII bitubahirijwe, bityo urubanza rwaciwe na TGI Nyarugenge rukaba ruvuyeho kubirebana n’uko Kambali Bigishiro yaba yarishingiye XXXXX. Naho kubirebana n’inyungu z’ikirenga Urukiko rwavuze ko rutabisuzuma kuko Kambali atari mu bagomba kwishyura.
II. URUBANZA MU RUKIKO RW’IKIRENGA
[7] BCR ntabwo yishimiye imikirize y’urubanza maze irujuririra mu Rukiko rw’Ikirenga ku wa 04/12/2008, rwandikwa kuri RCOMAA0014/08/CS. Mu cyemezo cy’ibanzirizasuzuma N°Rcom 0007/09/PRE-EX cyo ku wa 04/02/2009, Umucamanza w’Urukiko rw’Ikirenga yemeje ko ubujurire bwa BCR bwatanzwe mu buryo no mu nzira bikurikije amategeko xxxxx xx buri mu bubasha bw’Urukiko rw’Ikirenga, bukaba bugomba kwakirwa bugasuzumwa.
[8] Perezida w’Urukiko rw’Ikirenga yashyizeho itegeko rigena umunsi w’iburanisha wo ku wa 16/04/2009, uwo munsi ugeze urubanza rurahamagazwa, ababuranyi bose bitabye, BCR ihagarariwe na Me Batware Xxxx Xxxxxx xxxx Xxxxxxx Bigishiro aburanirwa na Me Bokanga Aimé, urubanza ntabwo rwaburanishijwe
kuko Me Bokanga Aimé uhagarariye Kambali Bigishiro hari ibimenyetso atahawe n’uhagarariye BCR, rwimuriwe ku wa 16/6/2009. Uwo munsi ugeze urubanza rwaburanishijwe ababuranyi bombi bahagarariwe, Me Bokanga Aimé ahagarariye Kambali Bigishiro naho Me Batware Xxxx Xxxxxx xxxxxxxxxxx BCR.
[9] Me Batware Xxxx Xxxxxx yahawe ijambo xxx atange impavu zatumye BCR ijurira, avuga ko impamvu ya mbere irebana n’abishingiye uwahawe umwenda. Yavuze ko XXXXX yahawe umwenda ba nyirayo bemera gufatanya kuyishingira. Kugirango XXXXX ihabwe inguzanyo yagombaga kubanza kugaragaza ko Kambali Bigishiro, Shema wa Nkwano na Djumapili Xxxx xxxxxxxxxxxx, ibyo xxxxx bakaba barabikoze maze XXXXX ihabwa umwenda. Yakomeje asaba ko ku mafaranga yari yatanzwe n’Urukiko Rwisumbuye rwa Nyarugenge, hagomba kwiyongeraho izindi nyungu za 18% mugihe cy’amezi 34.
[10] Me Bokanga Aimé yavuze ko BCR itagaragaza amafaranga xxxxxx XXXXX, ko amafaranga XXXXX yabonye ari 13.000.000FRW n’andi 6.000.000FRW. Amasezerano y’ubwishingire avugwa akaba adakurikije amategeko, ntagaragaza umwenda wishingiwe ndetse nta n’umukozi wa Leta ubifitiye ububasha wayashyizeho umukono, amasezerano y’ubwishingizi akaba adakwiye guhabwa agaciro kuko adakurikije amategeko.
[11] Me Bokanga Aimé yatanze ubujurire bwuririye kubundi, avuga ko iyo umuntu atanze ingwate aba atakibaye umwishingizi. Amategeko anateganya ko iyo abagiranye amasezerano bagiye mu nkiko kubara inyungu birahagarara, ndetse n’ingingo ya 131 y’Igitabo cya Gatatu cy’Urwunge rw’Amategeko Mbonezamubano, ikaba iteganya ko iyo mu masezerano harimo inyungu nyinshi kandi yarateguwe n’ufite ubushobozi buruta ubwundi, izo nyungu ziragabanywa. Xxxxxxxx xxxxx ko hakwishyuzwa 34.000.000FRW by’umwenda remezo. Abajijwe umwenda BCR yakwishyurwa yashubije ko ari 12.000.000FRW. Yongeyeho ko XXXXX yahombye biturutse kuri BCR yafatiriye amamashini yayo, avuga ko ashingiye ku ngingo za 258 na 259 z’Igitabo cya Gatatu cy’Urwunge rw’Amategeko Mbonezamubano, BCR yaha XXXXX indishyi zingana na 40.000.000FRW .
[12] Me Batware Xxxx Xxxxxx xxxxxx ijambo avuga ko Kambali Bigishiro ariwe wayoboraga XXXXX, akaba azi neza ko yayishingiye, naho kubyavuzwe n’uhagarariye Kambali ko amasezerano y’ubwishingire atujuje ibisabwa n’amategeko bikaba atari ukuri kuko atagaragaza xxx anyuranije n’amategeko. Kuvuga ko iyo hari ingwate, biba atari ngombwa ko habaho umwishingizi bikaba ataribyo. Kubirebana n’xxx XXXXX yakwishyuzwa 34.000.000FRW, Me Batware arabyemera ariko agasaba ko hakwiyongeraho n’inyungu z’uwo mwenda naho kubijyanye na 40.000.000FRW zatswe BCR kuko yafatiriye imashini za XXXXX yavuze ko ibyo nta gaciro byahabwa kuko nta bimenyetso uhagarariye Kambali
yigeze atanga. Me Batware yabajijwe impamvu asaba inyungu za 19% kandi mu masazerano harimo inyungu za 16% asubiza ko ubu iyo watse umwenda muri Banki, inyungu ziba ari 19%.
[13] Me Bokanga Aimé yahawe ijambo avuga ko hari historique igaragaza ukuntu BCR yagiye yishyurwa. Ikindi n’uko ingingo ya 553 y’Igitabo cya Gatatu cy’Urwunge rw’Amategeko Mbonezamubano, isobanura neza ko ubwishingizi buba ku xxxx xx’umwenda xxx xxxx ku mwenda wose. Yakomeje asaba ko Urukiko rusanze ari ngombwa ko rwazajya kureba historique muri BCR.
[14] Iburanisha ry’urubanza ryarapfundikiwe, isomwa ryarwo rishyirwa ku wa 17/7/2009. Uwo munsi ugeze hasomwe urubanza rubanziriza urundi, hemezwa ko iburanisha risubukurwa mbere yo guca urubanza burundu, kugirango ababuranyi bajye impaka ku mafaranga agomba gutangwa harimo n’inyungu ku mwenda wahawe XXXXX bifashishije inyandiko za ngombwa. Isubukurwa ry’urubanza ryashyizwe ku wa 11/08/2009, kuri uwo munsi ntabwo urubanza rwaburanishijwe kubera ubwire, rwimurirwa tariki ya 1/10/2009, uwo munsi uhurirana n’uko abacamanza babiri mu bagize inteko bagombaga kwitabira imirimo y’Inama Nkuru y’Ubucamanza, bituma urubanza rusubikwa, rushyirwa tariki ya 3/11/2009. Uwo munsi ugeze iburanisha ryasubukuwe BCR ihagarariwe na Me Batware Xxxx Xxxxxx xxxx Xxxxxxx Bigishiro ahagariwe na Me Bokanga Aimé.
[15] Me Batware Xxxx Xxxxxx xxxxxxxxxxx BCR yavuze ko ikimenyetso kigaragaza ibyo BADR igomba kwishyura ari “historique bancaire”, xxxxxxxxxx xxxxxx akaba agizwe n’umwenda remezo hamwe n’inyungu zawo zibarwa kugeza igihe umwenda uzishyurirwa. Yakomeje avuga ko uko inyungu zagiye zibarwa mbere n’inkiko nta kibazo biteye, ikibazo nuko Kambali Bigishiro yari yakuwe mu bagomba kwishyura. Naho kubirebana n’amafaranga agomba kwishyurwa, Me Batware Xxxx Xxxxxx xxxxxx ko amafaranga agomba kwishyurwa angana na 161.849.404FRW, inyungu zikaba zarabariwe kuri 19%.
[16] Me Bokanga Aimé yahawe ijambo avugako uhagarariye BCR atagaragaza neza uko imyenda yagiye itangwa, ko “historique bancaire” ntacyo yagaragaza mu gihe XXXXX xxxx ifite konti zirenze imwe. Hari konti yariho 28.709.227FRW, indi yariho 133.241.939FRW. Yongeyeho ko xxxx xxx BCR ivuga ko yatanze crédit documentaire (documentery credit), ubundi itanga crédit xx xxxxxx, kuri credit documentaire nta masezerano agaragaza ko BCR yayihaye XXXXX xxxx kubirebana na credit de xxxxxx xxxx ayo batagomba kurenza bayitanga, abajijwe umwenda XXXXX ifitiye BCR asubiza ko kugera tariki 22/5/2003 ari 11.072.367FRW kandi ninabwo inyungu zagombaga guhagarara kubarwa kuko hari habayeho dénonciation de crédit, abajijwe niba yemera amafaranga y’ikurikiranarubanza angana na 10% nk’uko yatswe na BCR, yashubije ko
Urukiko arirwo rwazagena amafaranga y’ikurikiranarubanza, kuko 10% yaba ari menshi, aramutse yemejwe yaba ari nk’igihano. Naho inyungu ntabwo zikwiye kubarirwa kuri 19% kuko mu masezerano hateganijwe 16%.
[17] Me Batware Xxxx Xxxxxx, yahawe ijambo avuga ko igihe BCR yatangaga ikirego mu Rukiko rwa Nyarugenge umwenda wari umaze kurenga 36.000.000FRW, uko hagiye hashira igihe ninako inyungu zagiye ziba nyinshi. Yakomeje avuga ko credit documentaire yatanzwe yari credit d’équipement ari 6.000.000FRW hakiyongeraho crédit xx xxxxxx ya 19.000.000FRW, naho 10% aza igihe habayeho kujya mu nkiko nk’uko byari mu masezerano, asoza asaba ko igihe Urukiko rwazaca urubanza rwazemeza ko urubanza rukwiye kurangizwa by’agateganyo.
[18] Me Bokanga Aimé yahawe ijambo avuga ko hari ikibazo cy’imibare, avuga ko BCR yatanze gusa credit de xxxxxx xxxx yatanzwe mu xxxx bitatu, kandi ntabwo batangaga ideni aruko niryambere ryabanje kwishyurwa, naho credit documentaire ikaba yarishyuwe, yashoje avuga ko Kambali Bigishiro atigeze aba umwishingizi wa XXXXX, ndetse nta n’irangizarubanza ry’agateganyo ryatangwa kuko Kambali Bigishiro atemera umwenda.
[19] Iburanisha ry’urubanza ryarapfundikiwe, Urukiko ruvuga ko ruzasomwa tariki ya 08 Mutarama 2010, nyuma ruriherera ruca urubanza muri ubu buryo.
III. ISESENGURA RY’URUBANZA
III. a) Ibirebana no kwishingira XXXXX ku myenda ifitiye BCR
[20] Mu kujuririra urubanza rwaciwe n’Urukiko Rukuru rw’Ubucuruzi, BCR ivuga ko Urukiko rwirengagije ko Kambali Bigishiro yishingiye XXXXX, iyi akaba arinayo mpamvu yatumye BCR ijurira. Me Bokanga uhagarariye Kambali Bigishiro ahakana ko uwo ahagariye yishingiye XXXXX.
[21] Urukiko Rukuru rw’Ubucuruzi ruca urubanza rwavuze ko ibiteganywa n’ingingo ya 555CCIII bitubahirijwe, bityo Kambali Bigishiro akaba atasabwa gufatanya xx XXXXX, Djumapili Xxxx, xx Xxxxx wa Nkwano kwishyura BCR. Ingingo ya 555CCLIII ivuga ngo “ubwishingire ntibukekwa, bugomba kwemerwa kuburyo bweruye, kandi ntibushobora kwagurwa ngo burenge inshingano uwishingiye undi yiyemeje”. Iyi ngingo igaragaza ko ubwishingire bugomba kugaragazwa, bukanemerwa ku buryo bweruye. Ku wa 28/05/1997, Xxxxxxx Xxxxxxxxx, Xxxxxxxxx Xxxx, Xxxxx wa Nkwano bashyize umukono ku nyandiko igaragaza ko bemeye kwishingira XXXXX. Hishingiwe umwenda wose ufashwe xx XXXXX, abayishingiye ninabo bari bayifitemo imigabane. Me Bokanga Aimé uhagarariye Kambali Bigishiro akaba adahakana iyo nyandiko, gusa akaba ayinenga kuba BCR itarayishyizeho
umukono ndetse no kuba itariho umukono wa notaire agasaba ko itahabwa agaciro.
[22] Kambali Bigishiro nk’umwe mubari bagize XXXXX arinawe uyiyoboye, yemeye kuyishingira ku bushake, ku mwenda wose yahabwa na BCR. Kimwe mu byangombwa by’iremezo kugirango amasezerano agire agaciro biteganywa n’ingingo ya 8 CCLIII, ni ukwiyemerera kugomba inshingano. Kambali Bigishiro nk’ugomba inshingano zo kwishingira BADER akaba yarabyiyemereye. Kugirango ukwiyimerera kwishingira XXXXX byakozwe na Kambali Bigishiro biteshwe agaciro, nuko uko kwiyemerera kwari kuba kwatanzwe habaye kwibeshya ku ruhande rwa Kambali, yagutanze kubera igitugu, cyangwa uburiganya nk’uko biteganywa n’ingingo ya 9 CCLIII. Nta kigaragaza ko habayeho kwibeshya cyangwa igitugu kuri Kambali Bigishiro.
[23] Me Bokanga avuga ko inyandiko yo ku wa 28/5/1997 yo kwishingira XXXXX nta gaciro ifite kuko itashyizweho umukono na BCR. Iyo nyandiko koko nta mukono wa BCR uriho, ariko hari amasezerano y’umwenda remezo hagati ya BCR xx XXXXX, muri ayo masezerano XXXXX yasabwaga ko abayigize bayishingira, arinayo mpamvu habayeho inyandiko yo kwishingira XXXXX. Uhagarariye Kambali Bigishiro ntabwo yakwitwaza ko BCR itashyize umukono kuri iyo nyandiko kugirango xxx xxxxxxxx agaciro; ni inyandiko bwite yashyizweho umukono n’abishingiye XXXXX, bakaba bagomba kubahiriza ibiyikubiyemo. Ikindi Me Bokanga Aimé avuga nuko iyo nyandiko itashyizweho umukono na notaire. Kuba nta mukono wa notaire uri kuri iyo sibyo biyitesha agaciro kuko nta tegeko ribiteganya. Nk’uko byasobanuwe muri iki gika, ndetse no mu bika bibiri bibanziriza iki, Kambali Bigishiro yishingiye XXXXX.
III. b) Ibirebana n’inyungu
[24] Mu Rukiko Rukuru rw’Ubucuruzi Kambali Bigishiro yari yajuriye avuga ko inyungu zabazwe nabi kuko zabariwe kuri 19% kandi zakagombye kubarirwa kuri 16%. Iyi mpamvu yongeye kugarukwaho mu Rukiko rw’Ikirenga, uhagarariye BCR akavuga ko inyungu zabarirwa kuri 19% kuko arizo nyungu usaba umwenda muri BCR ubu acibwa. Kuri iyi mpamvu, Urukiko rw’Ikirenga rusanga amasezerano yabaye hagati y’impande ebyiri atarigeze ahinduka, ayo masezerano ateganya ko inyungu ku mwenda utanzwe ari 16%, ntabwo uruhande rumwe arirwo BCR rwakwifatira umwanzuro ngo ruzamure ijanisha ry’inyungu ku mwenda wahawe XXXXX rwitwaje ko ufata umwenda ubu asabwa inyungu zawo zingana na 19%. Umwenda uri hagati ya BCR xx XXXXX ntabwo usabwa ubu , watanzwe mbere y’uko BCR igena ko inyungu ku xxxxxx xxxx 19%. Kubw’ibyo rero inyungu zigomba kubarirwa kuri 16% .
[25] Me Bokanga Aimé avuga ko umwenda remezo wakagombye kubarirwa inyungu ari 11.072.367FRW (yabazwe kugera 22/5/2003), naho Me Batware Xxxx Xxxxxx xxxxxxxxx BCR akavuga ko ari 36.000.000FRW. Kuri iyi ngingo, hasuzumwa ibikubiye muri dosiye cyane cyane ibaruwa yo ku wa 19/09/2001 BCR yandikiye XXXXX iyimenyesha amafaranga igomba kwishyura angana na 34.193.006 FRW, muri iyo baruwa BCR yanihanangirizaga XXXXX (mise en demeure), ntabwo XXXXX yigeze ihakana ayo mafaranga cyangwa xx xxx ibe yarahise yihutira kwishyura, nyuma nibwo kwishyura byananiranye maze BCR itanga ikirego mu Rukiko rwa Mbere rw’Iremezo rwa Kigali ku wa 27/09/2001. XXXXX ikaba igomba kwishyura ayo mafaranga angana na 34.193.006FRW n’inyungu za 16% ku mwaka zibazwe ku buryo bukurikira:
Kuva 19/09/2001 kugeza 19/09/2002 = 34.193.006FRW¨*16%= 5470880FRW Kuva 19/09/2002 kugeza 19/09/2003 = 34.193.006FRW¨*16%= 5470880FRW Kuva 19/09/2003 kugeza 19/09/2004 = 34.193.006FRW¨*16%= 5470880FRW Kuva 19/09/2004 kugeza 19/09/2005 = 34.193.006FRW¨*16%= 5470880FRW Kuva 19/09/2005 kugeza 19/09/2006 = 34.193.006FRW¨*16%= 5470880FRW Kuva 19/09/2006 kugeza 19/09/2007= 34.193.006FRW¨*16%= 5470880FRW Kuva 19/09/2007 kugeza 19/09/2008 = 34.193.006FRW¨*16%= 5470880FRW Kuva 19/09/2008 kugeza 19/09/2009 = 34.193.006FRW¨*16%= 5470880FRW
Kuva 19/09/2009 kugeza 19/12/2009 = 34.193.006FRW¨*16%*3/12= 1.367.720FRW
45. 134. 760FRW
Amafaranga agomba kwishyurwa xx XXXXX ifatanije n’abayishingiye xxxxx xxx 34.193.006FRW + 45134760FRW= 79237766FRW. Ubwo bufatanye mu kwishyura bukaba bushingiye ku bufatanye buteganywa n’amategeko buri hagati y’ugomba kwishyura n’umwishingizi we.
[26] Me Bokanga Aimé uburanira Kambali Bigishiro yavuze ko amafaranga y’ikurikiranarubanza yagenwe n’Urukiko Rwisumbuye rwa Nyarugenge ari menshi, ko yagenwe hatagaragajwe icyo bashingiyeho, naho uhagarariye BCR akavuga ko amasezerano yateganyije uko amafaranga y’ikurikiranarubanza azagenwa. Mu masezerano y’umwenda, hateganijwe ko mu gihe XXXXX yaba itishyuye hakitabazwa inkiko, izishyura 10% by’umwenda remezo n’inyungu zawo y’ikurikiranarubanza. BADER yaka umwenda muri BCR yari ikeneye amafaranga, kugirango BCR itange uwo mwenda hari byo yasabye XXXXX, kimwe muribyo nuko mugihe haramuka habaye kurega mu rukiko, amafaranga y’ikurikiranurabanza yaba 10% y’umwenda remezo n’inyungu zawo.
[27] Nk’uko bigaragazwa na zimwe mu mpuguke mu mategeko, mu gihe cyo gusaba umwenda, uwusaba aba ashishikajwe no kubona amafaranga vuba kugirango akemure ikibazo runaka, bigatuma yemera ibyo umuha uwo mwenda amubwira, bimwe mubyo utanga umwenda ashyira mu masezerano ategurwa usaba umwenda atagizemo uruhare ni ingingo zirebana n’indishyi zitandukanye,
ndetse n’ingingo zirebana n’uburyo bwo gusesa amasezerano1. Indi mpuguke mu mategeko yavuze ko ibikubiye byose mu masezerano atariko buri gihe xxxx xxx ukuri cyangwa biboneye (tout ce qui est contractuel n’est pas nécessairement juste/ all that is contractual is not necessarily right)2. Urukiko rw’Ikirenga rurasanga 10% y’ikurikiranarubanza yashyizwe mu masezerano ari menshi, XXXXX yabyemeye kuko itari ifite ukundi yagira. Amafaranga y’ikurikiranarubanza agomba gutangwa akaba atagomba kubangamira impande zombi.
[28] Ingingo ya 131 bis CCLIII irebana n’ibyerekeranye no guhendwa ivuga ko “bitabujije iyubahirizwa ry’amategeko arengera abadafite ubushobozi cyangwa yerekeye ukugira agaciro kw’amasezerano, iyo, ashingiye ku mwenda atanze, amasezerano yo kuguriza cyangwa andi masezerano yose ateganya itangwa ry’ikintu cy’agaciro, uko imiterere y’amasezerano yaba imeze kose, uberewemo umwenda ubonerana ugomba kwishyura umwenda, kubera ubukene, intege nke, irari cyangwa ubujiji, akamukoresha abyigiriye cyangwa abigiriye undi, amasezerano y’urwunguko cyangwa y’akandi kamaro birengeje kuburyo bugaragara urwunguko rusanzwe, urukiko rubisabwe n’ugomba kwishyura umwenda rugarura inshingano ze kugeza ku nyungu isanzwe…..”. Nk’uko byasobanuwe mu bika bibiri bibanziriza iki, amafaranga y’ikurikirana rubanza ateganywa mu masezerano ni menshi, Urukiko rw’Ikirenga rukaba rugennye ko amafaranga y’ikurikiranarubanza n’igihembo cya Avoka muri uru rubanza, ndetse no mu manza zajuririwe ari 900.000FRW.
[29] Nk’uko byagaragajwe mu gika cya 25 n’icya 28, XXXXX ifatanije n’abayishingiye bazishyura BCR 79.237.766FRW y’umwenda remezo n’inyungu zawo + 900.000FRW y’ikurikiranarubanza yose hamwe akaba 80137766FRW.
IV. ICYEMEZO CY’URUKIKO
[30] Urukiko rw’Ikirenga rwemeye kwakira no gusuzuma ubujurire rwashyikirijwe na BCR.
[31] Rwemeje ko ubwo bujurire bufite ishingiro.
[32] Rwemeje ko Kambali Bigishiro yishingiye XXXXX.
[33] Rwemeje ko inyungu z’umwenda wahawe XXXXX zibarirwa kuri 16%.
[34] Rwemeje ko umwenda remezo n’inyungu zawo bigomba kwishyurwa BCR ari 79.237.766FRW
1 Ngagi Xxxxxxxx, Protection des intérêts économiques des consommateurs dans le cadre du libéralisme économique en Droit Rwandais, Thèse de Doctorat. Editions de l’Université Nationale du Rwanda. 2005, p.301. 2 L. Cadiet « une Justice Contractuelle, l’autre » in Etudes offertes à Xxxxxxx XXXXXXX. Le contrat au début du XXI e siècle, Paris, LGDJ, 2001. p.178.
[35] Rwemeje ko amafaranga y’ikurikiranarubanza n’igihembo cy’avoka ari 900.000FRW
[36] Rwemeje ko XXXXX n’abayishingiye bishyura BCR 80137766FRW xxxx xxxxx.
[37] Rukijije ko BCR itsinze naho Kambali Bigishiro akaba atsinzwe.
[38] Rutegetse XXXXX gufatanya na Kambali Bigishiro, Jumapili Xxxx, Shema wa Nkwano kwishyura BCR 80137766FRW.
[39] Rubategetse kandi gutanga 4% ya 80137766FRW y’umusogongero wa Leta angana na 3.205.510FRW.
[40] Ruvuze ko imikirize y’urubanza RCom A 0110/08/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi ku wa 5/11/2008 ko ihindutse.
[41] Rutegetse Kambali Bigishiro gutanga amagarama y’urubanza angana na 28.900FRW.
RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME NONE KUWA 08.01.2010 N’URUKIKO RW’IKIRENGA, RUGIZWE NA XXXXXX XXX: PEREZIDA, MUGENZI L-XXXXX, NYIRINKWAYA IMMACULEE: ABACAMANZA, BAFASHIJWE NA MUKAMURENZI Xxxxxxxx UMWANDITSI X’XXXXXXX.
Sé XXXXXX Xxx
Perezida
Sé Sé
NYIRINKWAYA Immaculée MUGENZI L. Xxxxx