Contract

XXXXXXX XXXXXX RW’UBUCURUZI, RURI I KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI, NONE KUWA 06/10/2016, RUKIJIJE MU RUHAME URUBANZA RCOMA 00390/2016/CHC/HCC MU BURYO BUKURIKIRA :

……………………………………………………………………………………………………………………………………

HABURANA:

COGEBANQUE LTD, mu izina ry’uyihagarariye, ihagarariwe na Me MUNDERERE Xxxxxxx: UWAJURIYE

na:

1. XXXXXXXXX Xxxxxxx, mwene MUNYAMPENDA na BANYANGABOSE, wavutse 1970, utuye Umudugudu wa Bugarama, Akagari ka Rwebeya, Umurenge wa Cyuve, Akarere ka Musanze, Intara y’Amajyaruguru, ahagarariwe na Me NKAKA

KAGORORA Séraphin;

2. XXXXXXX Xxxxxxx, utuye Umudugudu wa Bugarama, Akagari ka Rwebeya, Umurenge wa Cyuve, Akarere ka Musanze, Intara y’Amajyaruguru, ahagarariwe na Me NKAKA KAGORORA Séraphin ABAREGWA

IKIREGERWA:

- Umwenda wa 14.449.073 FRW;

- Indishyi z’ubukererwe zingana na 22% buri mwaka;

- Astreinte ya 264.900 FRW buri kwezi;

- Amafaranga y’ikurikirana-rubanza n’ayo guhembo cya avoka

Kujuririra urubanza RCOM 00250/2016/TC/NYGE rwaciwe na TC Nyarugenge rwasomwe kuwa 16/06/2016.

I. IMITERERE Y’URUBANZA

1. Me MUNDERERE Xxxxxxx xxxxxxxxx COGEBANQUE Ltd asobanura ku bujurire avuga ko ku itariki ya 04/10/2012, NDATIMANA Xxxxx Xxxxxxx xxxxxxx inguzanyo ya

40.000.000 FRW yo kugura inzu, anagaragaza uburyo azayishyura. Nyuma yo kwiga dosiye, COGEBANQUE kuwa 24/09/2013 asinya ‘contrat de prêt à intérêt

N°0554/2013’ ndetse kuwa 21/10/2013 umugore we amusinyira ‘acte de cautionnement solidaire’.

2. Ibintu bikaba ngo bitaragenze uko byari mu masezerano kuko NDATIMANA atishyuye uko bikwiriye, bituma ku itariki ya 03/01/2014, COGEBANQUE imwandikira ibaruwa imwibutsa kwishyura kuko icyo gihe yarimo ikirarana cya 1.531.702 FRW.

3. Ku itariki ya 29/07/2014, byabaye ngombwa ko COGEBANQUE imuha iteguza kuko yari amaze kugira ikirarane cya 3.749.160 FRW. Imaze kubana ko NDATIMANA ntacyo akora ngo yishyure, ku itariki ya 11/10/2014, COGEBANQUE yakoze dénonciation de crédit, imwibutsa ko umwenda ugeze kuri 44.664.561 FRW, ko kandi taux d’intérêt ishyizwe kuri 22%.

4. Ku itariki ya 30/10/2014, COGEBANQUE yandikiye NDATIMANA Xxxxx Xxxxxxx integuza ya nyuma, imusaba kwishyura 44.364.646 FRW. Ku itariki ya 19/02/2015, COGEBANQUE yandikiye NDATIMANA ibaruwa imwibutsa ko yakiriye ibaruwa ya dénonciation de crédit ivuga ko kuva icyo gihe kuwa 11/10/2014, COGEBANQUE ifite uburenganzira bwo kwishyuza umwenda wose icyarimwe, inamwibutsa ko ubu umwenda usigaye ungana na 41.110.142 FRW.

5. Ku itariki ya 24/02/2015, NDATIMANA yandikiye COGEBANQUE ibaruwa asaba kuvanwa muri classe 5, no gukorerwa reclassement. Ku itariki ya 02/03/2015, COGEBANQUE yamusubije ko bidashoboka kuko bigaragara ko nta bushobozi bwo kwishyura afite, ko kandi n’umushara w’umugore we yari yiyemeje kunyuza muri COGEBANQUE atigeze na rimwe awuhanyuza, anibutswa ko afite umwenda wa 41.307.733 FRW.

6. COGEBANQUE ibonye ko nta bwishyu bushoboka ku neza, yasabye RDB gushyiraho uburyo ingwate yagurishwa, bikorwa kuwa 17/04/2015. Uwagenwe na RDB kugurisha ingwate ariwe Received XXXXXXXXXX Xxxx xxxxxx akazi xx xxxx, maze kuwa 15/05/2015 agurisha ingwate yatanzwe na NDATIMANA n’umugore we UMUHIRE Xxxxxxx xx giciro cya 35.736.355 FRW ndetse anakorera Registrar General rapport ya cyamunara igaragaza uburyo amafaranga yavuye muri cyamunara yakoreshejwe. Nk’uko bigaragazwa na historique ya compte ya NDATIMANA, kuwa 28/02/2016, yari arimo COGEBANQUE umwenda wa 14.449.073 FRW uzakomeza kwiyongera igihe cyose atarishyura. Kubera rero kutishyura, byabaye ngombwa ko COGEBANQUE Ltd irega NDATIMANA Xxxxx Xxxxxxx n’umwishingizi we XXXXXXXXX Xxxxxxx xxxxxx xxx bishyure umwenda ndetse inasabe indishyi zitandukanye.

7. Ku itariki ya 16/06/2016, Xxxxxxx rw’Ubucuruzi rwa Nyarugenge rwaciye urubanza RCOM 00250/2016/TC/NYGE maze COGEBANQUE Ltd itangazwa no kubona yimwa nta mpamvu ibyo yasabaga kandi yari ibifitiye uburenganzira biba ngombwa ko ijurira.

8. Mu mpamvu z’ubujurire zitangwa hakaba harimo kumenya niba inyungu zikomeza kubarwa nyuma yo gusesa amasezerano, xxx xxxxxx ikaba xxx ukwishyuza NDATIMANA na XXXXXXX Xxxxxxx xxxxxxx wa 14.449.073 FRW wasigaye utishyuwe, impamvu ya nyuma ikaba xxx xxx ikimenyetso cyerekana ko NDATIMANA yahise yishyura amafaranga yategetswe mu rubanza rujuririrwa.

9. Asobanura ku mpamvu ya mbere y’ubujurire, Me MUNDERERE Xxxxxxx avuga ko mu ngingo ya 13 y’amasezerano, impande zombi zumvikanye ko inyungu zizakomeza kubarwa n’iyo amasezerano yaseswa. Ibi kandi byanatangiwe na jurisprudence kuko Urukiko rw’Ikirenga rwagize icyo ruvuga ku kibazo nk’iki mu rubanza RCOMAA 0002/15/CS rwaciwe kuwa 05/02/2016. N’ubwo ingingo ya 47 y’Itegeko Ngenga n° 03/2012/OL ryo kuwa 13/06/2012 rigena imiterere, imikorere n’ububasha by’Urukiko rw’Ikirenga ivuga ko imanza z’urwo Rukiko zigomba kubahirizwa n’inkiko zo hasi, Umucamanza yirinze kugira icyo ayivugaho mu cyemezo cye nyamara yari yayihawe nk’uko bigaragara muri paragraphe ya 4. Muri paragraphe ya 6, Urukiko rwagaragaje kwivuguruza gukomeye kuko rwemera ibiteganywa n’ingingo ya 64 y’itegeko rigenga amasezerano, ariko rukanga ko indishyi zikomeza kubarwa nyamara byarumvikanyweho n’impande zombi.

10. Harimo na none kwivuguruza kuko kuba Urukiko rwarageneye COGEBANK indishyi za 1.686.206 FRW rushingiye ku masezerano ruhamya ko yasheshwe. Byumvikana ko amasezerano nta gaciro agifite nk’uko Urukiko rubivuga, cyangwa se aragafite, xxxxx xxxxxxxxx xxxxxxxxxxxxx.

11. Mu kwisobanura ku mpamvu ya kabiri irebana no kwishyuza NDATIMANA na UMUHIRE Chantal umwenda wa 14.449.073 FRW wasigaye utishyuwe, asobanura ko nk’uko byavuzwe hejuru, n’ubwo COGEBANQUE yasabye kugurisha ingwate yatanzwe, ntabwo amafaranga yavuye muri cyamunara yarangije umwenda wose kuko hasigaye 14.449.073 FRW abazwe kugeza kuwa 28/02/2016.

12. Ibi binavuga ko azakomeza kwiyongera kugeza urubanza ruciwe. Birumvikana rero ko nk’uko impande zombi zabyumvikanyeho, NDATIMANA n’umugore we XXXXXXX Xxxxxxx bategetswe kwishyura umwenda wose bafashe n’inyungu zawo hashingiwe

ku ngingo ya 64 y’Itegeko numero 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano ndetse n’ingingo za 478, 480, 567, 568 za CC LIV III.

13. Xxxxx Xxxxxxx Xxxxxxxxx yisobanura ku bujurire avuga ko we n’umugore we bagiranye amasezerano N°0554/2013 na COGEBANQUE (Compagnie Générale de Banque) Ltd ku wa 24/09/2013 ashingiye ku igurizwa rya 48.171.745 FRWS agomba kwishyurwa mu gihe cy’amezi 72 abarwa uhereye ku wa 31 Ukwakira 2013 kugeza ku wa 30 Nzeli 2019 hishyurwa buri kwezi 1.205.625 FRWS.

14. Abagurijwe batanze ingwate y’inzu iri muri parcelle N° 217, Akagali xx Xxxxxx, Umurenge wa Kicukiro, Akarere ka Kicukiro, Umujyi wa Kigali maze umwenda ukishyurwa hifashishijwe umushahara yahembwaga.

15. Inzu ivugwa akaba xxx xxxxx yagombaga kugurwa hatanzwe amafaranga angana na

40.000.000 FRWS, xxx xxxxxxxxx xxxxxxxxx inzu akomoka kuri 5.000.000 FRWS yatanzwe n’abatse inguzanyo nka contribution yabo na 35.000.000 FRWS bahaweho inguzazanyo na Banki.

16. Hashize hafi ibyumweru bibiri, NDATIMANA yasanze kuri compte ye hariho

7.000.000 Frws maze ayakoresha yishyura abari bamugurije 5.000.000 Frws yavuzwe haruguru no gusana inzu bari bamaze kugura.

17. Hashize kandi igihe cy’umwaka, NDATIMANA yasanze compte ye iri muri négatif (-

7.000.000 FRWS), byabaye ngombwa ko yegera Banki kugira ngo amenye icyateye konti ye kujya muri situation mbi bigeze xxx ngaho maze imusubiza ko byatewe na

7.000.000 FRWS zivugwa mu myanzuro.

18. Bitewe n’uko Banki yari yaribeshye igashyira kuri konti ya NDATIMANA amafaranga 7,000,000 nyuma yo guhabwa inguzanyo no kwishyura uwari nyir’inzu yaguzwe hamwe n’uko Banki yatanze inguzanyo hatabayeho kwandikisha ingwate muri RDB, byabaye ngombwa ko amasezerano NDATIMANA na UMUHIRE bagiranye na Banki asubirwamo kugira ngo ibyo bibazo byose Banki yari yateje bicyemuke maze bagirana andi masezerano mashya N° 0554/2013 yo ku wa 24/09/2013 asimbura ayari yakozwe mbere afite N° 0534/2012 yo ku wa 26/19/2012 ari nabwo habayeho igikorwa cyo kwandikisha ingwate muri RDB nyuma y’uko na none bamaze gukorana mutation n’uwo bari baguze inzu.

19. Nyuma y’igihe gito bishyura neza no gusinya amasezerano mashya (ukwakira 2013), NDATIMANA Xxxxx Xxxxxxx yaje kugira ikibazo cyo guhagarikwa mu kazi yakoraga kubera ivugururamikorere y’ikigo yakoragamo maze bimubera intambamyi yo

kutishyura neza nk’uko yari asanzwe abigenza dore ko umushahara we ariwo yakuragamo ubwishyu ndetse Banki ikaba yarayishingiyeho imuha inguzanyo.

20. Kuwa 03/07/2014 yandikiye COGEBANQUE Ltd ayimenyesha ikibazo yahuye nacyo cyo guhagarikwa mu kazi ayisaba kumwihanganira mu gihe cy’amezi atatu (3 mois) kugira ngo ashakishe ubundi buryo bwo kwishyura. COGEBANQUE Ltd yandikiye uwari umukoresha we imubaza niba ibyo NDATIMANA Xxxxx Xxxxxxx xxxxxxxxxxx xxx xxx xxxx xxxxxxxxx ko xxxxx xxxxxx koko.

21. NDATIMANA Xxxxx Xxxxxxx xxxxxxxxxx xxxxxxxxxx xxxxx no hino agira ngo yubahirize amasezerano bagiranye na Banki maze ageza mu kwezi kwa Gicurasi 2014 yishyura Banki neza, nyuma yaho ybaje kunanirwa kwishyura nk’uko amasezerano basinye abiteganya ariko ntibareka kwishyura ahubwo akajya atanga make kuyo agombaga kwishyura Banki.

22. Kuwa 27/06/2014, Banki yandikiye NDATIMANA imusaba kuvanamo ibirarane bari bamaze kugeramo maze ayisubiza ko ibyo birarane byatewe no gutakaza akazi ku buryo butunguranye kandi anabizeza ko mu gihe kitarenze amezi atatu bazaba bamaze kwishyura ibyo birarane ndetse anizeza Banki ko nyuma y’igihe ayihaye azaba yasubiye ku murongo yubahiriza amasezerano bagiranye.

23. Guhera mu kwezi kwa 10/2014 akaba xxx xxxx amaze kwishyura ibirarane byose, bakomerezaho kwishyura neza nk’uko bari yabyijeje COGEBANQUE Ltd ubwo yasubizaga ibaruwa Banki yari yamwandikiye kuwa 27/06/2014 kandi anabizeza gukomeza kwishyura neza no kubabera umukiliya mwiza. Kuwa 11/10/2014 Banki yandikiye NDATIMANA ibaruwa imumenyesha ko amasezerano bagiranye asheshwe (dénonciation de crédit).

24. Mu kwisobanura ku mpamvu ya mbere, Xxxxx Xxxxxxx XXXXXXXXX avuga ko kuwa 11/10/2014 Banki yabandikiye ibaruwa ibamenyesha ko amasezerano bagiranye asheshwe (Dénonciation de crédit) kandi inaboneraho kutumenyesha ko kugeza ku wa 09/10/2014 umwenda wari usigaye wanganaga na 44.664.561 FRWS ngo inyungu z’ukwezi kwa cumi zitabariwemo ariko iyi tariki bakaba batayemera ahubwo iyo bemera ikaba ari iyo ku wa 30/09/2014 xxx xxxx tariki yagombaga kubarirwaho umwenda usigaye nk’uko amasazerano abigaragaza.

25. Guhera kuwa 11/10/2014 rero ntabwo amasezerano y’igurizwa yari akiriho; bityo rero gusesa amasezerano byagize ingaruka y’uko nyuma yo kuyasesa nta nyungu

zisanzwe n’iz’ibihano zigomba kubarwa, kuko amasezerano yaziteganyaga yakuweho.

26. Ibi bituma umwenda babereyemo banki kuwa 11/10/2014 utagomba kwiyongera, kandi amafaranga bishyuye nyuma y’iyi tariki yose akaba agomba kuwugabanya.

27. Kuva mu mpera z’ukwezi kwa 10/2014 bakaba xxx xxxx bamaze kwishyura ibirarane byose, bakomeza kwishyura neza nk’uko bari babyijeje COGEBANQUE Ltd ubwo basubizaga ibaruwa Banki yari yatwandikiye kuwa 27/06/2014. Ndetse muri iyo baruwa bakaba bari banayijeje ko gukomeza kwishyura neza no kubabera aba kiliya xxxx.

28. Kuvuga rero ko kuwa 02/03/2015, xxxx xxxxxxxxxx umwenda ungana na 41.307. 733 FRWS akaba ngo atari byo na cyane ko nta n’ikigaragaza ko umwenda uvugwa ariwo koko, kuko kugeza mu mpera z’ukwezi kwa 10/2014 bari bamaze kwishyura ibirarane byose kandi xxx xxxx bishyura neza nk’uko amasezerano yabiteganyaga dore ko kuwa 06/10/2014 ngo bishyuye 2.000.000 Frws.

29. Kuwa 23/10/2014 bishyuye 300.000 Frws, kuwa 31/10/2014 bishyuye 1.200.000 Frws, kuwa 03/11/2014 bishyuye 700.000 Frws, kuwa 21/11/2014 bishyuye 800.000 Frws, ku wa 08/12/2014 bishyuye 1.210.000 Frws, ku wa 29/12/2014 bishyuye 1.210.000 Frws, 14/01/2015 bishyuye 12.000 Frws, ku wa 28/01/2015 bishyuye 1.210.000 Frws, kuwa 18/02/2014 bishyuye 600.000Frws, xxxx xxxxx xxxxx xxx 9.242.000 Frws nk’uko bigaragazwa na historique des mouvements du 01/10/2012 AU 24/04/2015 (pages 6 – 7), bityo umwenda wari usigaye ukaba waranganaga na 44.664. 561 FRWS- 9.242.000 Frws= 35.422.661 Frws.

30. Kuwa 15/05/2015, inzu yatanzweho ingwate yatejwe cyamunara ku mafaranga angana na 35.736.355 FRWS, rero ingwate ikaba yaravuyemo amafaranga arenze gato umwenda twari dusigaje kwishyura (35.422.661 Frws – 35.736.355 Frws = -313.694 Frws) angana na -313.694 Frws Banki igomba kubasubiza kuko bishyuye arenze ayo bayigombaga.

31. Kuvuga rero ko bayisigayemo 14.449.073 FRWS bakaba batazi xxx Banki ibivana kuko kugeza ku wa 18/02/2014 bari bamaze kwishyura 9.242.000 Frws kandi aya yose yishyurwa nyuma y’uko Banki isheshe amasezerano. Bityo rero inyungu zikaba zitakomeza kubarwa k’umwenda usigaye nyuma yo kugurisha ingwate kubera ko igihe Banki imaze kugaragaza umubare w’amafaranga y’umwenda uregwa ayibereyemo, uwo mwenda ikawushyikiriza ushinzwe kugurisha ingwate (Receiver)

kugira xxx xxxxxx ubwishyu mu ngwate yatanzwe maze Umwanditsi Mukuru akemeza amabwiriza yo kugurisha ingwate, hagatangira inzira zo guteza cyamunara, igakorwa ikarangira, bakaba ngo basanga Banki itagomba gukomeza kubara inyungu kandi amasezerano yumvikanyweho ari kurangizwa (Exécution du contrat).

32. Mu gusobanura impamvu ya kabiri y’ubujurire avuga ko kuvuga ko kuwa 02/03/2015, baba bari basigayemo umwenda ungana na 41.307. 733 Frws atari byo, dore ko nta n’ikigaragaza ko umwenda uvugwa ari wo koko, kuko kugeza mu mpera z’ukwezi kwa 10/2014 bari bamaze kwishyura ibirarane byose kandi xxx xxxx bishyura neza nk’uko amasezerano yabiteganyaga dore ko ku wa 06/10/2014 bishyuye 2.000.000 Frws, ku wa 23/10/2014 bishyuye 300.000 Frws, ku wa 31/10/2014 bishyuye 1.200.000 Frws, ku wa 03/11/2014 bishyuye 700.000 Frws, ku wa 21/11/2014 bishyuye 800.000 Frws, ku wa 08/12/2014 bishyuye 1.210.000 Frws, ku wa 29/12/2014 bishyuye 1.210.000 Frws, 14/01/2015 bishyuye 12.000 Frws, ku wa 28/01/2015 bishyuye 1.210.000 Frws, ku wa 18/02/2014 bishyuye 600.000Frws, xxxx xxxxx xxxxx xxx 9.242.000 Frws nk’uko bigaragazwa na HISTORIQUE DES MOUVEMENTS DU 01/10/2012 AU 24/04/2015, Pages 6 - 7; bityo rero umwenda wari usigaye ukaba waranganaga na 44.664. 561 FRWS- 9.242.000 Frws= 35.422.661 Frws. [25]. Ku wa 15/05/2015, inzu yatanzweho ingwate yatejwe cyamunara ku mafaranga angana na 35.736.355 FRWS, rero ingwate ikaba yaravuyemo amafaranga arenze gato umwenda twari dusigaje kwishyura (35.422.661 Frws – 35.736.355 Frws = -313.694 Frws) angana na -313.694 Frws Banki igomba kudusubiza kuko bishyuye arenze ayo twayigombaga. Kuvuga rero ko tuyisigayemo 14.449.073 FRWS tukaba tutazi xxx Banki ibivana kuko kugeza ku wa 18/02/2014 twari tumaze kwishyura 9.242.000 Frws kandi aya yose yishyurwa nyuma y’uko Banki isheshe amasezerano. Bityo rero inyungu zikaba zitakomeza kubarwa k’umwenda usigaye nyuma yo kugurisha ingwate kubera ko igihe Banki imaze kugaragaza umubare w’amafaranga y’umwenda uregwa ayibereyemo, uwo mwenda ikawushyikiriza ushinzwe kugurisha ingwate (Receiver) kugira xxx xxxxxx ubwishyu mu ngwate yatanzwe maze Umwanditsi Mukuru akemeza amabwiriza yo kugurisha ingwate, hagatangira inzira zo guteza cyamunara, igakorwa ikarangira, turasanga Banki itagomba gukomeza kubara inyungu kandi amasezerano yumvikanyweho xxx xxxxxxxxxx (Exécution du contrat)

33. Asoza atanga ubujurire bwuririye ku bundi avuga ko hashingiwe ku ngingo ya 167, al.1 CPCCSA xxx iteganya ko uregwa mu rukiko rujuririrwa ashobora na we kujurira yuririye ku bujurire bw’urega mbere y’iburanisha cyangwa mu iburanisha, n’xxx yaba yaramenyeshejwe urubanza rwe ntagaragaze ko hari icyo arukemangaho none natwe tujuririye kuba Urukiko rw’Ubucuruzi rwa Nyarugenge rwarirengagije nkana ibimenyetso twarugaragarije ko twamaze kwishyura amafaranga yose ahubwo tukaba twararengeje ayo twagombaga kwishyura ari naho twashingiye turusaba gutegeka COGEBANQUE Ltd kudusubiza 313.694 Frws arenga ku yo twagombaga kuyishyura.

34. Muri uru rubanza hakaba hagomba gusuzumwa niba nyuma ya dénonciation de credit inyungu zikomeza kubarwa, gusuzuma niba hari umwenda abaregwa babereyemo banki cyangwa niba banki igomba kugira amafaranga ibasubiza, gusuzuma niba hari igiheno gihatira kwishyura (astreinte) kigomba gutangwa muri uru rubanza, gusuzuma niba urubanza rwarangizwa by’agateganyo no gusuzuma indishyi zisabwa n’uwajuriye ndetse n’ubujurire bwuririye ku bundi.

II. ISESENGURA RY’IBIBAZO

A. Ku kibazo cyo gusuzumwa niba nyuma ya dénonciation de credit inyungu zikomeza kubarwa

35. Me MUNDERERE Xxxxxxx asobanura ko amasezerano y’inguzanyo yo kuwa No 00554/2013 yo kuwa 24/09/2013 mungingo yayo ya 13 yategenyije ko inyungu zizakomeza kubarwa nyuma ya dénonciation du credit. Ndetse no mu RCOMAA 0002/15/CS rwo kuwa 05/02/2016 kuri paji ya 7 rwakemuye iki kibazo.

36. Me NKAKA Séraphin asobanura ko amasezerano areba abayakoze, kuri 11/10/2014 banki yasheshe amasezerano bivuga ko n’ibindi byose biyashamikiyeho byahise bivanwaho.

37. Mu rubanza RCOM 0761/15/TC/NYGE na none mu rubanza RCOM 1012/15/TC/NYGE imanza ebyiri zahujwe ababuranyi xxx xxxxx kuburana uyu munsi rwaciwe kuri 26/11/2015, mu gace karwo ka 8 urukiko rwavuze ko rusanga amasezerano adashobora gukomeza kuko yasheshwe bikurikije amategeko. Agace ka 14 k’urwo rubanza rwemeza ko amasezerano No 00554 yasheshwe adashobora gukomeza. Aha bakaba ngo bibaza ukuntu COGEBANK yaba yarasheshe amasezerano bikanemezwa n’urukiko yarangiza ikavuga ko ibyari bikubiye muri ayo masezerano

byakomeza. Aha bakanashingira ku byanditswe na Prof. Ngagi Munyamfura Alphonse nk’uko bigaragarira ku rupapuro rwa 7 rw’umwanzuro.

38. Ku rubanza rwagenderwaho (jurisprudence) rwatanzwe na mugenzi we rukaba ngo rutafatwaho urugero kuko urwo rubanza rudahuje narwo na cyane ko muri urwo rubanza hatabayeho gusesa amasezerano, kuko muri urwo habayeho radiation kandi itandukanye na dénonciation.

39. Me MUNDERERE Xxxxxxx asobanura ko imanza RCOM 0761/15/TC/NYGE n’urubanza RCOM 1012/15/TC/NYGE zitegenderwaho kuko ababuranyi atari bamwe ndetse n’icyaburanwaga atari kimwe.

40. Akomeza avuga ko imvugo zakoreshejwe ari zimwe arizo radiation na dénonciation. Ikindi kubyo yavuze byanditswe na Prof. Ngagi byaba bishatse kuvuga ko uwajya ananirwa kwishyura banki mu gihe banki yajya isesa amasezerano ntacyo umukiliya yajya ayishyura.

41. Me MUNDERERE Xxxxxxx asobanura ko nyuma y’urubanza hari amafaranga yishyuwe kubw’izo mpamvu uyu munsi banki ikaba yishyuza amafaranga 13, 721, 353.

UKO URUKIKO RUBIBONA

42. Ingingo ya 13 y’amasezerano y’iguriza No 0554/2013 impande zombi zarateganyije ko igihe habayeho ubukererwe mu kwishyura inyungu zikomeza kubarwa.

43. Ingingo ya 64 y’itegeko n° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano itaganya ko ‘’ Amasezerano akozwe ku buryo bukurikije amategeko aba itegeko ku bayagiranye. Ashobora guseswa xxx xxx babyumvikanyeho cyangwa ku mpamvu zemewe n'amategeko. Agomba kubahirizwa nta buriganya’’.

44. Urukiko rusanga ibivugwa n’abaregwa ko nyuma ya dénonciation du credit inyungu zigomba guhagarara kubarwa bitahabwa ishingiro kuko, kuba mu masezerano impande zombi zasinyanye mu ngingo yayo ya 13 zaremeranyijwe ko ugurijwe nakererwa kwishyura inyungu zizakomeza kubarwa, kuba rero mu gusesa amasezerano kwa banki byaratewe no kutishyura k’uwagugurijwe, igihe cyose atarangiza kwishyura nta mpamvu yatuma amafaranga agifitiye banki adakomeza kubarirwa inyungu kuko ibikubiye mu ngingo ya 13 y’amasezerano bagiranye

byabaye itegeko hagati yabo nk’uko biteganywa n’ingingo ya 64 y’itegeko n° 45/2011 ryo kuwa 25/11/2011 ryavuzwe haruguru.

45. Ibyo kudahagarika inyungu mu gihe habayeho dénonciation du credit ku ruhande rwa banki bikaba kandi byaranasobanuwe n’Urukiko rw’Ikirenga rw’U Rwanda mu rubanza RCOMAA 0002/15/CS rwaciwe kuwa 05/02/2016 xxx rwagaragaje ko nyuma y’iseswa ry’amasezerano inyungu zikomeza kubarwa, bityo ibyemejwe n’urwo rukiko ku kibazo nk’iki bikaba bigomba kugenderwaho muri uru rubanza. Bisobanura ko igihe cyose XXXXXXX Xxxxxxx na XXXXXXXXX Xxxxxxx xxxxxx barangiza kwishyura umwenda wa banki amafaranga basigaje kwishyura akomeza kubarirwa inyungu.

B. Ku birebana no gusuzuma niba hari umwenda abaregwa babereyemo banki cyangwa niba banki igomba kugira amafaranga ibasubiza

46. Me NKAKA Séraphin avuga ko aha mu yagomba gusubizwa bibaye ngombwa nayishyuwe nyuma y’urubanza yayasubizwa.

47. Uburanira banki akaba ntacyo yavuze kuri iyi ngingo.

UKO URUKIKO RUBIBONA

48. Urukiko rusanga nta mafaranga abaregwa bagomba gusubizwa kuko nk’uko baburanye babivuga banagaragazaga ko amafaranga y’inyungu yagombaga guhagarara kubarwa guhera ubwo habaga gusesa amasezerano kwa banki kuwa 11/10/2014, kuba rero nk’uko bimaze gusobanurwa mu bika bibanziriza iki ko inyungu zigomba gukomezwa kubarwa, xxxx xxxxx abaregwa batarabashije kugaragariza urukiko ko haba hari xxxx xxxxxxxxx arenga baba barishyuye, bakaba bategetswe kwishyura umwenda ungana n’amafaranga 13, 721, 353 basigayemo banki.

C. Ku birebana no gusuzuma niba hari igihano gihatira kwishyura kigomba gutangwa muri uru rubanza

49. Me MUNDERERE Xxxxxxx asobanura ko hashingiwe ku ngingo ya 216, COGEBANQUE Ltd isaba Urukiko Rukuru rw’Ubucuruzi gutegeka astreinte ya 264.900 FRW buri kwezi mu gihe NDATIMANA na UMUHIRE Xxxxxxx xxxx xxxxxxxxx burundu

ntibishyure. Iyi astreinte ingana na 22% y’umwenda asabwa kwishyura, kuko idatanzwe COGEBANQUE yazabihomberamo xxxxx xxxx ibyo bumvikanye.

50. Mu kwisobanura kuri iyi ngingo, XXXXXXXXX Xxxxxxx avuga ko ku bijyanye na astreinte ya 264.900 FRWS buri kwezi, nabyo asaba Urukiko kutayemeza kuko, nk’uko yabisobanuye mu gace ka [22], COGEBANQUE Ltd yasheshe amasezerano, bityo ikaba itagomba gusaba ko habaho igihano gihatira kurangiza urubanza kuko nta mwenda bayibereyemo xxxxx xx bitari ngombwa kuregera urukiko ahubwo Banki yagombaga gusuzuma uko umwanda yamuhaye uhagaze maze ikivuyemo ikakimumenyesha itabanje kuturega mu rukiko.

UKO URUKIKO RUBIBONA

51. Ingingo ya 216 Itegeko N° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko ‘’Abisabwe n’umwe mu baburanyi, mu gihe cy’iburanisha ry’imanza mbonezamubano, iz’ubucuruzi n‘iz’umurimo, umucamanza ashobora, guteganya igihano cyo gutanga amafaranga y’ubukererwe abazwe buri munsi, buri cyumweru, buri kwezi cyangwa buri mwaka k’uwo baburana mu gihe azaba atubahirije imikirize y’urubanza rw’iremezo, bitabujije ko yacibwa indishyi z’akababaro mu gihe bibaye ngombwa. Amafaranga y’ubukererwe ateganywa mu gika cya mbere cy’iyi ngingo atangira kubarwa uhereye ku munsi ukurikira uwo urubanza ruba rutagishoboye kongera kujuririrwa’’ naho inyingo ya 218 y’iri tegeko ikaba iteganya

ko ‘’Umucamanza ashobora kwemeza ko igihano gihatira kurangiza urubanza ari

umubare mbumbe w’amafaranga cyangwa se ko ari umubare w’amafaranga azajya atangwa nihashira igihe agennye. Umucamanza ashobora kandi no kwemeza umubare ntarengwa w’amafaranga y’igihano gihatira kurangiza urubanza’’

52. Urukiko rusanga amafaranga y’igihano gihatira kwishyura yasabwe na banki afite ishingiro kuko bigaragara ko abaregwa nta bushake bafite bwo kwishyura, ariyo mpamvu XXXXXXX Xxxxxxx na XXXXXXXXX Xxxxxxx xxxxxxxxxx batinze kurangiza uru rubanza mu gihe kigenwa n’amategeko bakaba bagomba kuzatanga amafaranga

50.000 (umubare mbumbe) y’igihano kibahatira kwishyura.

D. Ku birebana no gusuzuma irangizarubanza ry’agateganyo

53. Me MUNDERERE Xxxxxxx asobanura ko hashingiye ku ngingo ya 212 ya CPCCSA, COGEBANQUE Ltd isaba irangiza rubanza rw’agateganyo ku ndishyi zose zisabwa.

54. XXXXXXXXX Xxxxxxx asobanura ko gusaba irangizarubanza ry’agateganyo ishingiye ku ngingo ya 212 ya CPCCSA, nabyo asanga nta shingiro byahabwa kuko ingingo ya 212 ya CPCCSA, iyi Banki ishingiraho ibisaba, ntaho uru rubanza ruhuriye n’ibivugwa muri yo kuko ikimenyetso cy’ikiburanwa atari inyandikomvaho kandi ikiburanwa kikaba atari umwenda yemera imbere y’umucamanza kuko yarangije kuwishyura.

UKO URUKIKO RUBIBONA

55. Ingingo ya 212 y’Itegeko N° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko ‘’Irangizwa ry’agateganyo ryemezwa n’urukiko rubyibwirije ndetse nta ngwate, iyo: 1° ikimenyetso cy’ikiburanwa, inyandikomvaho; 2° ikiburanwa ari umwenda wemewe mu rubanza n’uregwa.’’

56. Urukiko rusanga nubwo abaregwa batemera umwenda, kuba ikimenyetso cy’ikiburanwa ari inyandiko mvaho, uru rubanza rugomba kurangizwa by’agateganyo nk’uko biteganywa n’ingingo ya 212, 1° y’Itegeko N° 21/2012 ryo kuwa 14/06/2012.

E. Ku birebana no gusuzuma indisjyi z’amafaranga y’ikurikiranarubanza n’ayo guhembo cya avoka

57. Me MUNDERERE Xxxxxxx asobanura ko kubera kutishyurwa, COGEBANQUE Ltd izatanga amafaranga agera kuri 2.000.000 FRW yo gukurikirana urubanza no guhemba Avoka mu rwego rwa mbere n’ubujurire. Hashingiwe ku ngingo ya 258 ya CCLIV III, NDATIMANA na UMUHIRE bateje iki gihombo bagomba kukiryozwa, bagategekwa kucyishyura.

58. XXXXXXXXX Xxxxxx asobanura ko amafaranga y’ikurikiranarubanza n’ayo guhemba Avoka asabwa na COGEBANQUE Ltd adakwiye gutangwa kuko ku wa 15/03/2016 yayandikiye ayigezaho icyifuzo cy’uko bajya bishyura umwenda bari bayisigayemo maze Banki ihitamo kugana inkiko.

59. Bivuga ko amafaranga asabwa akaba ngo atagomba gutangwa kuko Banki yishoye mu manza ku bwende bwayo, rero ikaba igomba kwirengera igihombo yiteje.

60. Asoza avuga ko mu gihe Urukiko rwaramuka rubibonye ukundi cyangwa se rwemeje ko urubanza RCOM 00250/2016/TC/NYGE, rudahindutse, rwakwita ku kuba, mu rwego rwo kurangiza urubanza ku neza, barishyuye amafaranga yose yategetswe mu rubanza bamaze kuvuga angana na 2.240.000Frws nk’uko bigaragazwa na bordereau de versement N° 280486 yo ku wa 18/07/2016. Naho baramutse batsinze aya mafaranga avugwa muri uru rubanza bayasubizwa.

UKO URUKIKO RUBIBONA

61. Ingingo ya 258 y’itegeko ryo kuwa 30 Nyakanga 1888 ryerekeye urwunge rw'amategeko y'imbonezamubano, igitabo cya gatatu ibyerekeye imirimo nshinganwa cyangwa amasezerano iteganya ko ‘’igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse.’’

62. Urukiko rusanga indishyi z’igihembo cya avoka zigomba kubarirwa mu iz’ikurikiranarubanza, zikaba kandi zigomba gutangwa hashingiwe ku ngingo ya 258 y’itegeko ryo kuwa 30 Nyakanga 1888 ryavuzwe haruguru kuko kutishyura ku neza kwa XXXXXXXXX Xxxxxxx na XXXXXXX Xxxxxxx xxxxxx byatumye banki ibarega haba ku rwego rwa mbere no mu bujurire, ariyo mpamvu amafaranga yatakaje mu gukurikirana imanza harimo nayo yahembye avoka agomba gusubizwa na XXXXXXXXX Xxxxxxx na XXXXXXX Xxxxxxx xxxx xxxxx xxxxxxxx xxxx xxxxxxx, bityo XXXXXXXXX Xxxxxxx na XXXXXXX Xxxxxxx xxxxxx xxxxxxx xxxxxxxxx bayishyura indishyi z’ikurikiranarubanza za 1,000,000 zigenwe mu bushishozi bw’urukiko kuko ayasabwaga akabije kuba menshi.

F. Ku birebana no gusuzuma ubujurire bwuririye ku bundi

63. Urukiko rusanga rutakwirirwa rusuzuma iyi ngingo kuko uyitanga urubanza rumutsinda.

III. ICYEMEZO CY’URUKIKO

64. Rwemeye kwakira ubujurire bwa COGEBANQUE Ltd rubusuzumye rusanga bufite ishingiro kuri bimwe

65. Rwemeje ko imikirize y’urubanza RCOM 00250/2016/TC/NYGE ihindutse kuri byose.

66. Rutegetse XXXXXXXXX Xxxxxxx na XXXXXXX Xxxxxxx xxxxxxxxx COGEBANQUE Ltd umwenda w’amafaranga 13, 721, 353 bayisigayemo

67. Rutegetse XXXXXXXXX Xxxxxxx na XXXXXXX Xxxxxxx xxxxxxxxx COGEBANQUE Ltd kwishura amafaranga 50, 000 y’igiho gihatira kwishyura nibakererwa kwishyura.

68. Rutegetse XXXXXXXXX Xxxxxxx na XXXXXXX Xxxxxxx xxxxxxxxx COGEBANQUE Ltd amafaranga 1,000,000 y’ikurikiranarubanza ku rwego rwa mbere n’urw’ubujurire.

69. Rutegetse ko urubanza rurangizwa by’agateganyo.

70. Rutegetse XXXXXXXXX Xxxxxxx na XXXXXXX Xxxxxxx xxxxxxxxx COGEBANQUE Ltd amafaranga 75,000 y’ amagarama yatanze ijurira.

N.B: Uru rubanza rusomwe umunsi rutari ruteganyijweho wo kuwa 07/10/2016 kubera ko uwo munsi umucamanza azaba yagiye gushyingura.

RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME N’UMUCAMANZA

Xxxxxxxxx XXXXXXXX MUNYAMBANZA KANANGIRWA Epiphanie	HARI	N’UMWANDITSI X’XXXXXXX
UMUCAMANZA Xxxxxxxxx XXXXXXXX XXXXXXXXXXX Xx		UMWANDITSI KANANGIRWA Epiphanie Sé