Contract
URUKIKO RW’UBUCURUZI RWA MUSANZE RURI KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI RWAKIJIJE URU RUBANZA MU RWEGO RWA MBERE NONE KUWA 11/09/2015 MU BURYO BUKURIKIRA :
HABURANA :
UREGA : BANK OF KIGALI Ltd mu izina ry’uyihagarariye B.P 175 Kigali.
UREGWA : Kasine Xxxxxxxx xxxxx Gashirabake Xxxxxxx xx Bwenge Languida utuye mu Mudugudu wa Rusagara, Akagari ka Mpenge, Umurenge wa Muhoza, Akarere ka Musanze, Intara y’Amajyaruguru.
IKIREGERWA: - Umwenda w’igihe gito ungana na 3.000.000 Frw yafashe kuwa 25/04/2013 akaba yaranze kuwishyura ;
Inyungu zisanzwe n’iz’ubukererwe zingana n’amafaranga 2.918.193 Frw zibazwe kugera kuwa 10/11/2014 ;
Indishyi zinyuranye zingana na 1.250.000 Frw.
I.IMITERERE Y’URUBANZA
[1] Kasine Patricie yagurijwe na Bank of Kigali umwenda w’amafaranga 2.000.000 Frw yajyaga kumarana amezi 3, abarwa guhera kuwa 25/05/2013 akarangira kuwa 25/07/2013. Bank of Kigali irega Kasine Xxxxxxxx xx atishyuye umwenda remezo hamwe n’inyungu ziwukomokaho. Ibibazo biza gusuzumwa muri uru rubanza ni: - Ugusuzuma iyubahirizwa ry’amasezerano
- Inyungu n’indishyi zatswe muri uru rubanza.
- Ikibazo cy’irangizarubanza by’agateganyo n’igihano gihatira kwishyura.
II.ISESENGURA RY’IBABAZO BIGIZE URUBANZA
1. Ikibazo cyerekeranye n’isuzumwa ry’umwenda
[2] Me Mbarushimana Dominique amaze kwemererwa kuburana wenyine kuko uregwa yahamagajwe mu buryo bukurikije amategeko ntiyitaba, urukiko rwarabimwemereye maze rumusaba gusobanura ikirego cya Banki ya Kigali, avuga ko kuwa 24/04/2013 Banki ya Kigali yagurije Kasine Patricie umwenda w’amafaranga 3.000.000 Frw uyu yagombaga kwishyura mu mezi atatu abazwe guhera kuwa 24/05/2013 akarangiza kuwa 24/07/2013 ngo
ariko we yahisemo kutishyura ifaranga na rimwe kugeza ubu. Asaba ko urukiko rumutegeka kuwishyura.
[3] Abajijwe ibimenyetso bigaragaza iby’amasezerano yabaye hagati y’ababuranyi yaba atarubahirijwe, asubiza ko hari inyandiko yo kuwa 24/04/2013 Kasine yasabiyeho umwenda wa 3.000.000 Frw ndetse n’inyandiko nsezeranya bwishyu, akaba kandi yarasinye n’amategeko agenga umwenda ( reglement des ouvertures de credit) ndetse n’inyandiko ( inquiry history transactions) igaragaza uko umwenda wa Kasine uhagaze
[4] Urukiko rurasanga kuwa 24/04/2013 Kasine Patricie yarasabye umwenda w’igihe gito wa
3.000.000 Frw arawuhabwa nkuko bigaragzwa na billet a ordre (inyandiko nsezeranyabwishyu) yatanze ko azawishyura kuwa 24/07/2013 uko ari 3.000.000 Frw ibi ni ikimenyetso ko Kasine arimo umwenda ugaragara kuri billet a ordre nkuko bisobanuye mu ngingo ya 124 mu Itegeko n°32/2009 ryo kuwa 18/11/2009 ryerekeye inyandiko zishobora gucuruzwa ari amasezeranyo atavuguruzwa yanditse ashyirwaho umukono n’uwasezeranije kwishyura wiyemeje kwishyura nta yindi mpamvu, igihe abisabwe cyangwa mu gihe cyateganijwe...
[5] Bityo xxxx Xxxxxx Xxxxxxxx yarafashe umwenda kuwa 24/04/2013 avuga ko azawishyura bitarenze kuwa 24/07/2013 nyamara kugeza ubu akaba nta faranga na rimwe yigeze yishyura, yishe amasezerano kandi ingingo ya 64 mu itegeko N°45/2011 ryo kuwa 25/11/2011 rigenga amasezerano ivuga ko amasezerano akozwe ku buryo bwemewe n’amategeko aba itegeko ku bayagiranye, kandi agomba kubahirizwa nta buryarya nkuko biri mu ngingo ya 70 y’Itegeko xxxxxx xxxxxxxx. Kasine Patricie rero agomba kuryozwa umwenda remezo abereyemo B.K ungana na 3.000.000 Frw.
2. Ikibazo cy’ inyungu n’indishyi zatswe muri uru rubanza.
[6] Me Mbarushimana Xxxxxxxxx xxxxxxxxx Bank of Kigali muri uru rubanza yasobanuye ko Kasine Patricie agomba gutanga inyungu zibariwe kuri 1,5% ku kwezi kandi yagira ubukererwe akongeraho inyungu za 2% ku kwezi ariyo mpamvu agomba kwishyura
5.133.258 Frw (abazwe kugeza kuwa 01/09/2015).
[7] Xxxxxxx xxxxxxxxxx ku ngingo ya 10 ya reglement des ouvertures de credit mu ngingo ya 10 igika cya 2 hateganijwe ko mu gihe cyose umwenda utarishyurwa wose inyungu zikomeza kubarwa kandi zikabarirwa ku rwunguko ruriho. Urukiko rero rushingiye ku rwunguko ruriho nuko umwenda w’igihe gito ugomba kwunguka 19% ku mwaka bityo, rurasanga
inyungu zikwiriye gutangwa kandi zikaba zinateganywa mu mategeko cyane cyane ingingo ya 136 n’iya 137 mu Itegeko n°45/2011 ryo kuwa 25/11/2011 rigenga amasezerano ziteganya ibijyanye n’indishyi zitangwa n’uruhande rutubahirije amasezerano ruziha uruhande rurengana. Bityo inyungu zingana na 2.918.193 Frw Kasine (nkuko zikubiye mu mwanzuro) Patricie agomba kuzitanga.
[8] Igihembo cy’Avoka 500.000 Frw, 500.000 Frw y’indishyi z’akababaro, indishyi zikurikirana rubanza zinagana na 200.000 Frw hamwe na 50.000 Frw y’ingwate y’amagarama.Naho indishyi Me Mbarushimana Xxxxxxxxx xxxxx xxxx hamwe xxx xxx
1.200.000 Frw hamwe n’ingwate y’amagarama ya 50.000 Frw, Urukiko rurasanga zikwiriye ariko izatswe ni ikirenga izikwiriye urukiko rurazigena mu bushishozi n’ubwitonzi bwarwo nkuko biteganywa mu ngingo ya 258 mu gitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano cyerekeye amasezerano ivuga ko igikorwa cyose cy’umuntu cyangirije undi xxxxx kugikora kuriha ibyangiritse.
3. Iragiza rubanza ry’agateganyo n’igihano gihatira kwishyura
[9] Me Mbarushimana Xxxxxxxxx yasabye ko uru rubanza rurangizwa by’agateganyo kabone niyo rwajuririrwa anasaba ko Kasine yazatanga 100.000 Frw buri kwezi y’igihano gihatira kwishyura. Urukiko rurasanga ibijyanye no kurangiza urubanza by’agateganyo n’igihano gihatira kwishyura , rutabyemeza kuko nta kigaragaza ko Kasine Patricie atazishyura ku gihe urubanza rumaze gusomwa nta n’igihombo Me Mbarushimana yagaragaje Bank of Kigali yagira mu buryo budasubirwaho irangiza ry’agateganyo riramutse ridatanzwe.
III. ICYEMEZO CY’URUKIKO
[10] Rwemeje ko Kasine Patricie abereyemo Bank of Kigali Ltd umwenda remezo wa
3.000.000 Frw hamwe n’inyungu zingana na 2.918.193 Frw.
[11] Rutegetse Kasine Patricie kwishyura Bank of Kigali Ltd umwenda remezo hamwe n’inyungu zawo zingana na 5.918.193 Frw no kuyiha 600.000 Frw akubiyemo igihembo cy’Avoka, indishyi z’akababaro n’ikurikirana rubanza.
[12] Runamutegetse gusubiza Bank of Kigali Ltd 50.000 Frw y’amagarama yagwatirije uru rubanza. Yose hamwe uko ari 6.568.193 Frw akayatanga mu gihe giteganywa n’amategeko atabikora ku neza agakurwa mu bye kungufu za Leta.