RCOMA 00557/2016/CHC/HC

RCOMA 00557/2016/CHC/HC

URUKIKO RUKURU RW’UBUCURUZI, RURI I KIGALI KUWA 06/12/2016, RUHABURANISHIRIZA IMANZA Z’UBUCURUZI MU RUHAME, RWACIYE URU RUBANZA MUBUJURIRE MU BURYO BUKURIKIRA:

ABABURANYI:

UWAJURIYE: BPR Ltd mu izina ry’umuyobozi wayo.

UREGWA MU BUJURIRE:

- XXXXXXXXXX Xxxxx xxxxxxxx Xxxxxxx – Gashari – Karongi – intara y’Amajyaruguru.

- XXXXXXXXXX Xxxxxxx.

IKIBURANWA : Gusaba gukurwaho umwenda bivugwa ko NIYOMUKIZA Emile afitiye BPR. (Kujuririra urubanza X.Xxx 00121/2016/TC/Nyge).

INCAMAKE Y’IKIBAZO

1. Urubanza rwatangiriye mu rukiko rw’ubucuruzi rwa Nyarugenge, xxx NIYOMUKIZA Emile yaregaga BPR asaba gukurwaho umwenda banki imwishyuza ungana na 4 130 094 frw, agasaba n’indishyi. Asobanura ko uwo mwenda yishyuzwa atawufashe ahubwo ukomoka ku mafranga yatwawe mu buryo bw’ubujura n’umuvandimwe we witwa XXXXXXXXXX Xxxxxxx wari umukozi wa BPR. Avuga ko icyo kibazo atigeze akimenya kugeza ubwo umugore we yagiye gusaba inguzanyo muri Koperative Umwalimu Xxxxx, bamubwira ko atayihabwa kuko bafite indi nguzanyo itarishyuwe muri BPR. NIYOMUKIZA ngo nibwo yagiye kubaza iby’uwo mwenda kuri BPR bamusubiza ko yafatanije na NIYONSENGA gutwara 5 000 000 frw za banki, xxx xxxx nkomoko y’uwo mwenda yabwiwe, akaba yarareze asaba kuvanwaho uwo mwenda atafashe no guhabwa indishyi.

2. BPR yo ivuga ko NIYONSENGA yari umukozi wayo ushinzwe iby’inguzanyo, akaba yaragiye atanga inguzanyo kubantu batandukanye mu buryo budasobanutse, ngo ni muri urwo rwego NIYONSENGA wari mandataire kuri compte y’umuvandimwe we NIYOMUKIZA yateruye amafranga ayashyira kuri iyo compte aranayabikuza. Yasobanuye ko uwo mwenda banki yaje kuwumukuraho, iboneraho no gusaba ko XXXXXXXXXX Xxxxxxx yagobokeshwa mu rubanza akaba ariwe uryozwa indishyi zisabwa, akanafatanya na NIYOMUKIZA kwishyura amafranga batwaye.

3. Urukiko rwavuze ko NIYONSENGA atari umuburanyi mu rubanza kuko atahamagajwe mu buryo bukurikije amategeko, ruvuga ko nkuko abagenzuzi xx xxxxx babivuze muri raporo bakoze bamaze gukora iperereza kuri icyo kibazo ngo ntabufatanye bwabaye hagati ya NIYONSENGA na NIYOMUKIZA mu gutwara ayo mafranga bityo ko NIYOMUKIZA atayabazwa, ruvuga ko umwenda NIYOMUKIZA yawukuriweho ariko ko BPR igomba no kumukuza kuri CRB. Rwavuze xxxxx xx BPR igomba kumuha 5 000 000 frw y’indishyi z’amahirwe yavukijwe yo guhabwa inguzanyo mu mabanki, 2 000 000 frw y’indishyi z’akababaro kuko yiswe bihemu ntampamvu, 600 000 frw y’igihembo cy’avocat, 100 000 frw y’ikurikiranarubanza na 50 000 frw y’igarama yatanze arega.

4. BPR ntiyabyishimiye ijurira muri uru rukiko ivuga ko itishimiye ko NIYONSENGA atagizwe umuburanyi, ngo ntiyishimiye indishyi yaciwe n’uburyo zatanzwe, igasaba ko Niyonsenga na Niyomukiza bafatanya kwishyura umwenda, igasaba n’indishyi. NIYOMUKIZA avuga ko ubujurire ntashingiro bufite, agasaba izindi ndishyi.

5. Mu iburanisha ry’uru rubanza, uhagarariye BPR yabajijwe n’urukiko icyifuzo bafite kuri XXXXXXXXXX Xxxxxxx bareze mu bujurire kandi urukiko rwambere rutaremeye ko aba umuburanyi, asubiza ko basanga ibyiza xxx xxx bazamukurikirana ukwe mu rundi rubanza, bityo ko ibirego bimureba bijyanye no gufatanya bombi kwishyura umwenda babikuyeho, ahubwo bagakomeza kuburana na NIYOMUKIZA Xxxxx xxxx xxxxxxxxxx n’indishyi yatsindiye ku rwego rwa mbere. Ibyo byatumye urubanza rukomereza gusa kubijyanye n’isuzumwa ry’indishyi zatanzwe ku rwego rwa mbere ndetse n’izisabwa mu bujurire.

IBIBAZO BIGIYE GUSUZUMWA

Urukiko rugiye gusuzuma niba indishyi banki yategetswe kwishyura ku rwego rwa mbere zifite ishingiro, rusuzume n’indishyi ababuranyi basabye mu bujurire.

I. Kubijyanye n’indishyi BPR yategetswe kwishyura ku rwego rwa mbere (Ese zifite ishingiro?)

6. Me RUSHIKAMA NIYO Xxxxxx xxxxxxxxx BPR yavuze ko banki yatunguwe no kubona icyemezo cy’urukiko kiyitegeka kwishyura hafi 8.000.000frw nta mpamvu zishingiyeho. Avuga ko icyambere anenga icyo cyemezo xxx xxx urukiko rwatanze ibitarasabwe kuko urega yasabye indishyi z’akababaro gusa maze ahabwa n’indishyi mbonezamusaruro.

7. Avuga xxxxx xx hari n’ikibazo cy’uko hatagaragajwe isano hagati y’indishyi mbonezamusaruro zatanzwe kuri NIYOMUKIZA n’amafaranga y’inguzanyo umugore we yari yasabye angana na 400.000frw. Xxx xxxxxxxxxxxxxx niba yari ayo gucuruza cyangwa undi mushinga bari bayasabiye ngo banagaragaze uko yagombaga kunguka byatuma ahabwa indishyi mbonezamusaruro za 5 000 000 frw mu gihe cy’amezi icyenda gusa, kuko inguzanyo yari yasabwe kuwa 12/06/2015, ikibazo cyatumye atabona inguzanyo banki igikemura kuwa 22/03/2016. Ngo hakaba hatarasobanuwe niba izi ndishyi zijyanye n’inyungu yari kuva muri iyo nguzanyo muri icyo gihe.

8. Yakomeje kandi avuga ko indishyi z’akababaro zingana na 2 000 000frw nazo asanga ntacyo zishingiyeho, kubera ko zigomba kujyana n’ikosa urega yakorewe, nyamara ngo NIYOMUKIZA yavuze ko ari ikibazo cy’umugore we wabuze inguzanyo, bituma urukiko rumuha indishyi rwirengagije ko uwo mugore we atabaye umuburanyi ngo asabe izo ndishyi, ngo ntanubwo yagaragaje ko yamuhaye mandat yo kuzimusabira, xxxxx xxx ntanubwo yari signataire kuri compte y’umugabo we, bityo ngo NIYOMUKIZA ntiyasaba xxxxx xxx ahabwe indishyi kubera prejudice y’umugore, xxxxx xxx niyo zabaho zigomba kuba mu rugero kuko izatanzwe zikabije kuba nyinshi.

9. Me KAGABO Venuste uburanira NIYOMUKIZA Xxxxx avuga ko iyi ngingo y’ubujurire ntashingiro ifite kuko BPR Ltd ivuga ko umucamanza yayitegetse xxxx XXXXXXXXXX Xxxxx xxxx 8 000 000 frw ntacyo ashingiyeho ariko ngo yirengagiza ko icyaburanwaga harimo no gusaba indishyi mugihe urukiko rusanze BPR yarashyize kuri NIYOMUKIZA Emile umwenda kandi atarawusabye. Urukiko rero ngo rwasesenguye ndetse rushingira no kuri raporo yakozwe na Banki igaragaza ko nta credit NIYOMUKIZA Emile yafashe bityo bituma rumugenera izo ndishyi. Ndetse ngo uwo aburanira asanga izo ndishyi zidahagije kuko kuba umuntu ashobora kumara imyaka icyenda yitwa bihemu akaba atarashoboraga kubona credit nk’abandi kandi ari bumwe muburyo abantu bakoresha biteza imbere, ndetse bikarenga bikagera no kuwo bashakanye nawe akabura inguzanyo kuko ngo umugabo we yafashe inguzanyo akaba atarishyuye, ibyo byose yagombaga kubiherwa indishyi.

10.Yakomeje avuga ko umugore wa NIYOMUKIZA Xxxxx xxxxxxx xxxxxx indishyi uretse ko atanazisabye, ngo indishyi zahawe NIYOMUKIZA Xxxxx ahubwo xxx mugutanga ibimenyetso by'akababaro ndetse no kubuzwa amahirwe yo guhabwa inguzanyo, yagaragaje ko n’umugore we yimwe inguzanyo kandi yari ifitiye inyungu umuryango wose. Xxxx xxx

kuvuga ko indishyi yahawe bitagaragajwe ko zijyanye n’igihombo yatewe no kutabona inguzanyo, avuga ko iyo nguzanyo umugore we yayisabye ngo yishyure amashuri muri kaminuza, bityo ngo bikaba byarabateye ihungabana ry’ubukungu mu muryango. Byongeye xxxxx xxx xxxx umuntu yananirwa kwiga mu gihe cy’umwaka byamuhombya cyane kuko haba hahungabanijwe gahunda ze z’ejo hazaza, bigahungabanya n’ubukungu kuko aba avukijwe amahirwe yo kwiga ngo abone akazi keza. Bityo ngo ntabwo indishyi yahawe ari umurengera, xxxxx xxx ntabwo byari gusaba ko umugore we aba signataire kuri compte cyangwa xxx xxx yamuhaye procuration yo kuzisaba, kuko inguzanyo ku bashakanye igira ingaruka nziza ku muryango wose na NIYOMUKIZA arimo, kuyimwa nabyo bikaba byarabagizeho ingaruka mbi bose, xxx xxxx mpamvu yahawe indishyi.

11.Urukiko rusanga ibivugwa na BPR ko urukiko rwa mbere rwatanze ibitarasabwe ngo kuko hasabwe gusa indishyi z’akababaro hatangwa n’indishyi mbonezamusaruro, ibyo ntabwo aribyo kuko nk’uko bigaragara mu myanzuro ye, uwaregega yasabye muri rusange indishyi zingana na 20 000 000 frw zishingiye ku kababaro ndetse no kwitwa bihemu, akabuzwa n’uburenganzira bwo kubona inguzanyo ndetse bikagera no k’umugore we. Izo ndishyi rero zasabwe, urukiko nizo rwahereyeho maze rugaragaza izishobora gutangwa n’ingano yazo.

12.Urukiko rusanga ku kibazo cy’uko hatanzwe indishyi z’akababaro ku kibazo cyagizwe n’umugore wa NIYOMUKIZA kuko ariwe wimwe inguzanyo hirengagijwe ko atari umuburanyi, ibi nabyo nta shingiro bifite kuko NIYOMUKIZA asaba izo ndishyi z’akababaro, yari ashingiye ko yashyizweho umwenda atigeze asaba, ashyirwa mu rwego rwa ba bihemu, akaba atari afite uburenganzira bwo gusaba inguzanyo kandi bigira ingaruka k’umuryango we wose kuburyo n’umugore we yasabye inguzanyo ntayihabwe kubera icyo kibazo. Ibyo ubwabyo urukiko rusanga bitavuga ko indishyi zatanzwe ari iz’umugore wa NIYOMUKIZA kuko mu cyemezo cyafashwe ntaho byavuzwe ko izo ndishyi ari ize. Kuba ibyamubayeho byaragize ingaruka no k’umugore bigatuma atabona inguzanyo ahandi yari ayisabye hatari no muri BPR, ni ikimenyetso ko NIYOMUKIZA yagombaga kubona indishyi z’akababaro, kuko ibyo banki yakoze bitanamugarukiyeho wenyine ahubwo byagize ingaruka mu buryo butaziguye no k’umuryango we. Bityo iyi ngingo y’ubujurire yo kuvuga ko hatanzwe indishyi zidafite xxx zishingiye, ntashingiro ifite.

13.Ku kibazo cy’uko hatanzwe indishyi nyinshi muri rusange, hagatangwa n’indishyi mbonezamusaruro zidafite xxx zihuriye

n’inyungu zari kuva mu nguzanyo ya 400 000 frw, urukiko rusanga ku rwego rwa mbere haratanzwe indishyi mbonezamusaruro zingana na 5 000 000 frw kubera amahirwe NIYOMUKIZA yavukijwe, ariko ntihagaragajwe inkomoko yazo n’uburyo zabazwe hashingiwe ku nguzanyo yari yasabwe n’igihe cyari gishize. Urukiko rusanga izo ndishyi zaratanzwe ku rwego rwa mbere hashingiwe ku rubanza RCOM AA 0008/05/CS rwaciwe n’urukiko rw’ikirenga kuwa 06/06/2008 haburana KAMPIRE Claire na XXXXXXXX Xxxxxx, haburanwa indishyi zikomoka ku nguzanyo bemerewe na banki bagahabwa igice cyayo gusa. Uru rukiko rukaba rusanga indishyi zatanzwe muri urwo rubanza zishingiye ku kibazo cyo kubuzwa amahirwe yo guhabwa inguzanyo, bikajyana n’iki kibazo NIYOMUKIZA yagize cyo kubuzwa ko we n’umuryango we bahabwa inguzanyo yasabwe kandi amakosa atari ayabo.

14.Nubwo ariko ikibazo ari kimwe muri izo manza, urukiko rusanga muri uru rubanza hatari gutangwa indishyi zingana na 5 000 000 frw kuko izo ndishyi zikubye inshuro zirenga cumi nebyiri inguzanyo yari yasabwe, kandi n’ikibazo cy’iyo nguzanyo cyaramaze amezi 9 gusa, mugihe urwo rubanza rwaciwe n’urukiko rwikirenga rushingirwaho, rwatanzwemo indishyi zitanageze ku nshuro ebyiri z’inguzanyo yagombaga gutangwa, kuko inguzanyo itaratanzwe yanganaga na 10 000 000 frw, naho indishyi zatanzwe zikangana na 15 000 000 frw ku kibazo cyari kimaze imyaka igera ku icumi. Aha bisobanuke ko igihe cy’amezi 9 ikibazo cyamaze, kibarwa hashingiwe kugihe umuryango wa NIYOMUKIZA wasabye inguzanyo ntuyihabwe kubera icyo kibazo, kuko mbere yaho ntazindi ngaruka yagaragaje byari byaramugizeho.

15.Urukiko rukaba rusanga hashingiwe kungano y’inguzanyo babujijwe guhabwa ndetse no kugihe byafashe, indishyi zatanzwe muri uru rubanza ari umurengera xxxxxxx Xxxxxxx ya 142 y’itegeko no 45/2011 rigenga amasezerano iteganya ko “Ntandishyi zishobora gutangwa ku gihombo kiri hejuru y’icyo uruhande rwarenganijwe rushobora kugaragaza ntagushidikanya”. Bityo urukiko rukaba rusanga hashingiwe kubyakozwe mu rubanza rwaciwe n’urukiko rw’ikirenga rwavuzwe, no kuri iyo ngingo imaze kuvugwa, rubona ko indishyi zatanzwe ku rwego rwa mbere ari umurengera, zaba indishyi mbonezamusaruro n’indishyi z’akababaro, cyane cyane ko uretse kuba byumvikana ko mu muryango wa NIYOMUKIZA byabateye ibibazo by’ubukungu bijyanye no gushakira ubushobozi xxx batari babuteganije, ntabwo hagaragajwe niba iyo mpamvu yaratumye umugore we ahagarika amashuri. Urukiko rukaba rusanga indishyi zatanzwe zigomba kugabanywa hagatangwa iziri mu

rugero hashingiwe kungano y’inguzanyo yari yasabwe ndetse no kugihe ikibazo cyamaze kitarakemuka, bityo NIYOMUKIZA akaba yahabwa indishyi mbonezamusaruro zingana n’inguzanyo umuryango we wabujijwe kubona, ni ukuvuga 400 000 frw, ndetse agahabwa n’indishyi z’akababaro nazo zingana gutyo, ni ukuvuga 400 000 frw, zose hamwe zikaba 800 000 frw.

II. Kubijyanye n’indishyi zisabwa n’ababuranyi bombi mu bujurire.

16.Uhagarariye BPR yasabye indishyi zo gushorwa mumanza nta mpamvu zingana na 1,000,000frw.

17.Uhagarariye NIYOMUKIZA yavuze ko ibyo Banque Populaire isaba bitahabwa ishingiro kubera ko ubujurire bwayo ntashingiro bufite. Yaboneyeho gutanga ubujurire bwuririye k’ubundi avuga ko NIYOMUKIZA asaba indishyi zingana na 40 000 000frws zikubiyemo indishyi z'akababaro ndetse n'indishyi mbangamira musaruro, ngo akabishingira ku mahirwe umuryango wabujijwe wo kuba wasaba inguzanyo ahandi hose mu gihe cy’imyaka icyenda ishize. Ikindi xxx xxxx BPR yarajuriye ndetse NIYOMUKIZA Emile agakomeza gushaka avoka umuhagararira muri uru rubanza ngo BPR yabitangira indishyi zo gusubiza igihembo cy'avoka kingana na 1 500 000frws.

18.Uhagarariye banki yavuze ko izo ndishyi zisabwe mu bujurire bwuririye k’ubundi ntashingiro zahabwa kuko nizo bahawe mbere bazisabira gukurwaho.

19.Urukiko rusanga impande zombi zarasabye indishyi z’ibyagiye k’urubanza mu bujurire, ariko zikaba ntazatangwa kubera impamvu zikurikira: kuri NIYOMUKIZA, urukiko rusanga ntandishyi yahabwa mu bujurire kuko banki ntabwo yajuriye mu rwego rwo kumutesha igihe gusa, ahubwo mubyo yajuririye hari bimwe byari bifite ishingiro, bikavuga ko yari ifite impamvu zifatika zituma ijurira, bityo banki ikaba itacibwa indishyi kuri uru rwego, ahubwo hagumaho izari zatanzwe ku rwego rwa mbere zingana na 750 000 frw zigizwe na 600 000 frw y’igihembo

cy’avocat, 100 000 frw y’ikurikiranarubanza na 50 000 frw y’igarama. Naho kuruhande rwa banki, nayo ntandishyi yahabwa kuko nubwo hari ibyo yagizeho ukuri mu bujurire, ntibikuraho ko hari amakosa yakoze xxx xxxx yatumye uru rubanza rubaho, bityo rero nubwo hari ibyahinduka kurubanza ntabwo bivuga ko banki yahabwa indishyi bitewe ko ntawayishoye mu manza ku maherere ahubwo impamvu urubanza rwabayeho yabigizemo uruhare.

ICYEMEZO CY’URUKIKO

20.RWEMEJE kwakira ubujurire bwa BPR Ltd xxxxx xx bufite ishingiro kuri bimwe.

21.RWEMEJE ko indishyi mbonezamusaruro n’indishyi z’akababaro BPR yategetswe kwishyura ku rwego rwa mbere zikabije kuba nyinshi.

22.RWEMEJE ko izo ndishyi zihinduwe, hagatangwa indishyi mbonezamusaruro zingana na 400 000 frw, n’indishyi z’akababaro zingana na 400 000 frw.

23.RWEMEJE ko indishyi zo gukurikirana urubanza (100 000frw), guhemba avocat(600 000 frw) n’iz’igarama(50 000 frw) zari zatanwe ku rwego rwa mbere zose hamwe zingana na 750 000 frw zigumyeho.

24.RWEMEJE ko ntazindi ndishyi zitanzwe mu bujurire.

25.RUTEGETSE BPR Ltd kwishyura NIYOMUKIZA Emile igiteranyo cy’indishyi zingana na 1 550 000 frw, zikubiyemo 400 000 frw y’indishyi

mbonezamusaruro, 400 000 frw y’indishyi z’akababaro na 750 000 frw y’indishyi zari zatanzwe ku rwego rwa mbere.

26.RUTEGETSE ko amafranga y’igarama yatanzwe n’uwajuriye aguma mu isanduku ya Leta.

RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME NONE KUWA 06/12/2016.

UMUCAMANZA UMWANDITSI

MUKAMURERA Xxxxxxxx XXXXXXXXXXXX Xxxxx Xxxxx.

Sé Sé

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