URUKIKO RUKURU RW’UBUCURUZI, RURI I KIGALI RUHABURANISHIRIZA KU RWEGO RW’UBUJURIRE, NONE KUWA 17/11/2017, RUKIJIJE MU RUHAME URUBANZA RCOMA 00149/2017/CHC/HCC MU BURYO BUKURIKIRA :
XXXXXXX XXXXXX RW’UBUCURUZI, RURI I KIGALI RUHABURANISHIRIZA KU RWEGO RW’UBUJURIRE, NONE KUWA 17/11/2017, RUKIJIJE MU RUHAME URUBANZA RCOMA 00149/2017/CHC/HCC MU BURYO BUKURIKIRA :
……………………………………………………………………………………………………………………………….. HABURANA
COGEBANQUE Ltd, mu izina ry’uyihagarariye, tel. + 00000000000, e-mail xxxxxxxx@xxxxxxxx.xxx, ihagariwe na Me XXXXXXX Xxxxxxxxx: UWAJURIYE
Na:
XXXXXXX Xxxx Xxxxxx, mwene Xxxxxx Xxxxxxx na Gwiza Xxxxxxx, utuye mu Kagari ka Cyivugiza, Umurenge wa Nyamirambo, Akarere ka Nyarugenge, Umujyi wa Kigali, tel + 000000000000, ahagarariwe na Me GAHAMANYI Xxxxxx: UREGWA
IKIREGERWA:
Gutegeka uregwa kwishyura amafaranga 5,862,936 akomoka ku inguzanyo yahawe + inyungu z’ubukererwe, indishyi zo gushorwa mu maza 1,000,000, amafaranga y’ikurikiranarubanza n’umuhesha w’inkiko 100,000, igihembo cya avoka 500, 0000 n’igarama ry’amafaranga 50,000. (Kujuririra urubanza RCOM 01556/2016/TC/NYGE rwaciwe kuwa 31/01/2016)
I. IMITERERE Y’URUBANZA
1. Uru rubanza rwatangiriye mu rukiko rw’ubucuruzi rwa Nyarugenge COGEBANQUE Ltd irega XXXXXXX Xxxx Xxxxxx xxxxx ko ayishyura amafaranga ngo akomoka ku mwenda yamuhaye ndetse inasaba inyungu zayo n’indishyi zinyuranye nk’uko bikubiye mu kirego cyo ku rwego rwa mbere.
2. Inkomoko y’ikibazo ngo xxxxx xxx ukuba kuwa 20/07/2012 COGEBANQUE Ltd yaragurije RUBANGO Xxxx Xxxxxx xxxxxxxxxx 4,400,000 ariko ngo ntiyayishyura nk’uko babyumvikanyeho bituma inyungu zikomeza kwiyongera kugeza umwenda ugeze kuwishyuzwa uri mu kirego.
3. Urukiko mu guca urubanza rukaba rwaremeje ko nta masezerano avugurura ayo kuwa 20/07/2012 yabayeho hagati y’impande zombi ndetse ko nta n’ingwate yabayeho, rwemeza ko ikirego cya COGEBANQUE Ltd gifite ishingiro kuri bimwe,
rutegeka RUBANGO Xxxx Xxxxxx xxxxxxxxx umwenda remezo n’inyungu zawo ungana na 1,827,119 ndetse akishyura indishyi z’ikurikiranarubanza n’igihembo cya avoka z’amafaranga 600,000.
4. COGEBANQUE Ltd ikaba itarishimiye imikirize y’urubanza maze Me NDAMAGE Ferdinand ajurira yibaza niba inyungu ziyongereyeho nyuma yo gutanga ikirego mu rwego rwa mbere zahabwa ishingiro, niba urukiko rwabariye ku mwenda nyakuri igihe cyo guca urubanza, asoza yibaza niba mu rwego rw'ubujurire hatangwa indishyi z'ikurikiranarubanza, igihembo cya avoka n'igarama.
5. Me GAHAMANYI Xxxxxx asobanura ko ubujurire nta shingiro bwahabwa na cyane ko banki idashobora kugaragaza itandukaniro ry’umwenda remezo n’inyungu ko ndetse itanashobora kugaragaza icyo yagendeyeho ibarira umukiliya we inyungu. Asoza atanga ubujurire bwuririye ku bundi asaba ko banki yakwishyura uwo aburanira indishyi z’ikurikiranarubanza n’igihembo cya avoka.
6. Muri uru rubanza hakaba hagomba gusuzumwa niba urukiko rwarabariye ku mwenda nyakuri igihe cyo guca, gusuzuma urubanza niba nyuma yo gutanga ikirego mu rwego rwa mbere inyungu ziyongereyeho zahabwa ishingiro mu rwego rw’ibujurire, gusuzuma niba mu rwego rw'ubujurire hatangwa indishyi z'ikurikiranarubanza, igihembo cya avoka n'igarama no gusuzuma ishingiro ry’ubujurire bwuririye ku bundi.
II. ISESENGURA RY’IBIBAZO
A. Ku birebana no gusuzuma niba urukiko rwabariye ku mwenda nyakuri igihe cyo guca urubanza
7. Me XXXXXXX Xxxxxxxxx asobanura ko mu guca urubanza urukiko ngo rwabariye ku mwenda wa 4,400,000 FRW rwirengagiza ko amasezerano ategenya inyungu zisanzwe n'iz'ubukerererwe zingana na 19% ku nyungu zisanzwe naho iz'ubukerererrwe zikaba 7% ku mwaka. Umwenda ukaba ngo wari ugeze kuri 5.862.936 igihe ikirego cyatangwaga, bityo umwenda ngo wari kubarirwa kuri 5.862.936 frw xxx kubarira kuri 4, 400.000.
8. Urukiko ngo rukaba rwaragabanyije umwenda kuko RUBANGO we wenyine yiyemereraga ko yishyuraga amafaranga 100,000 n’imisago xxx kwishyura amafaranga 200.000 n’imisaga nk’uko byari mu masezerano. Igihe yishyuraga rero ngo hakaba harakurwagamo inyungu z’ubukererwe xxxxx xxxxxxx rukaba
rwarabyirengagije ruteranya ayishyuwe yose ruyakura mu xxxxxx xxxxx atariko byagombaga gukorwa.
9. Akomeza asobanura ko ibimenyetso bashingiragaho ari amasezerano bagiranye na RUBANGO ko kandi ijanisha (taux) rya COGEBANQUE nubwo xxxxxx mu masezerano iba muri condition générale.
10. Asabwe kugaragaza conditions générales za COGEBANQUE agaragaza tarification xxx ku rupapuro rwa 6 igaragaza ko inyungu zisanzwe zibarirwa kuri 14% +5.2% (bivuga ko ari 19.2%) naho iz’ubukererwe zikaba 7%. Avuga tarrif isubiza ikibazo cya taux de base, bityo ngo akaba atari ikimenyetso gishya.
11. Asoza asobanura ku kibazo cyo kumenya uburyo umwenda remezo utandukanye n’inyungu zisanzwe n’iz’ubukererwe asubiza ko byose bikomatanyirijwe hamwe. Avuga xxxxx xxx umwenda banki izi xxx xxx uwambere bityo aya masezerano ya kabiri yo kuwa 08/06/2016 n’ingwate bikaba ngo bitahabwa agaciro.
12. Me GAHAMANYI asobanura ko COGEBANQUE itagaragaza uburyo ibaramo inyungu yishyuza kandi nyamara RUBANGO ngo yarumvikanye na banki ko azajya yishyura buri kwezi amafaranga 222,226. XXXXXXX xxx akaba yarubahirije amasezerano yishyura amafaranga bumvikanye mu gihe cy’amezi agera ku icumi, ariko ngo akaba yaraje kugira ikibazo ananirwa kwishyura asaba banki ko yajya yishyura amafaranga 100,000 aya mafaranga ngo akaba yarayishyuye incuro 11.
13. Ku kibazo cyo kumenya niba yaremerewe kujya yishyura aya mafaranga, asubiza ko banki isa nkaho yayemeye ngo kuko uko yayashyiraga kuri banki bayatwaraga ndetse akaba ngo yaranabasabye kumwongerera igihe cyo kwishyura ko kandi bamurega xxx xxxx amaze 2,858,931 Frw.
14. Akomeza asobanura ko banki ishaka gutwara amafaranga yose yishyuye ngo iyite inyungu z’ubukererwe, ko kandi ikibazo gikomeye kinateye urujijo xxx xxx banki idashobora kwerekana uko umwenda remezo ungana n’inyungu uburyo yabazwemo. Ikindi kuvuga ko ijanisha rya COGEBANQUE ari 19% ariko batagaragaza xxx zishingiye kuko mu masezerano nta zigaragara.
15. Na none asobanura ko COGEBANQUE yari yasabwe conditions générales d’ouverture de crédit none ikaba yazanye ikimenyetso gishya kitari izo conditions kuko izo conditions zivugwa mu ibaruwa imenyesha umukiliya ko ahawe inguzanyo. Iyo baruwa ngo akaba xxxxx xxxxxxxxxx ko itera urujijo, arinayo mpamvu basabaga ko iteshwa agaciro hakemezwa ibyo umucamanza wa mbere yemeje. Tarrification ngo
yazanywe ikaba ngo xxxxxx xxxxxxx xxxxxxx kubera RUBANGO Xxxx Xxxxxx xxxxxxx iyimenyeshwa igihe yashyikirizwaga ibaruwa imumenyesha ko yahawe inguzanyo.
16. Amasezerano y’iguriza atarigeze agaragazwa akaba ariyo yagombaga kugaragaza ikigero cy’inyungu, kuba rero bataramumenyesheje taux de base bavuga hashingiwe ku ngingo ya 13 y’itegeko rigenga amasezerano, iteganya ko amasezerano agomba kuba asobanutse. Akomeza ko hari produits nshya banki yari yazanye yo kuzamura abacuruzi bato aribwo RUBANGO nk’uwacuruzaga umuriro banki yamushishikarije kuza ikamuha inguzanyo.
17. Asobanura ko ikimenyetso rukumbi COGEBANK ngo ishingiraho ari historique bancaire yayo xxx xx itariki ya 01/01/2010 ikagera kuri tariki ya 18/4/2017 iyo historique ko kandi ari iyo yikorera ubwayo nk’umuburanyi nayo igaragaramo amakosa yo gufifika imibare kubera inyungu zayo. Iyio historique ikaba itakwitabwaho ngo ifatwe nk’ukuri cyane ko nta rwego rw’impuguke rwigenga rwayemeje ngo ruvuge ko ari ntamakemwabyongeye xxxxx xxx ikaba ifite inenge yo kugaragaramo ideni rindi rya 2,200,000 FRW tariki ya 13/1/2012 naryo ryahawe RUBANGO Xxxx xxxxxx xxxxx xxxx yararyishyuye rikarangira, bityo inyungu zaryo zigacangwa n’izirindi deni yafashe tariki ya 20/7/2012 kandi COGEBANK yagombye kugaragaza by’umwihariko tableau d’amortissement ya 4,400,000 FRW mbere y’uko ideni riburanwa ritangwa, uyu munsi ikaba ariyo ikemura impaka kugeza n’ubu banki ntacyo igaragaza kuri tableau d’amortissement de la xxxxx xxx na Xxxxxxx xxx yarayishyizeho umukono mbereyuko iryo deni ritangwa.
18. Asobanura na none ko tariki ya 8/09/2015 ubwo COGEBANK yasesaga amasezerano Solde ya konti RUBANGO yariho 1, 952, 856 Frw ayo mafaranga banki yagiye nayo iyiyishyura. Ikindi ngo kigaragara kuri historique ya banki itarimo ukuri ngo akaba xxx xxx agaragaza total debit ya 62, 669, 953 FRW naho total credit yo igaragaza 56,541,395 FRW bityo ikinyuranyo cya 6, 127, 557 Frw akaba aricyo banki yita umwenda ugezweho. ibi ngo bikaba ataribyo ngo kuko imibare nyayo ugendeye kugenzura neza historique ngo bigaragara ko total debit ari 26,082,548 FRW naho total credit ikaba 21, 791, 786 FRW ikinyuranyo kikaba 4, 290, 372 Frw.
19. Akaba xxx xxx muri urwo rwego bongeye gukata Rubango 2,739,232 FRW tariki ya 30/1/2017 badasobanura, bitypo hafashwe 4,290,772 frw-2,739,232 frw = 1,551,540 FRW ngo arinayo RUBANGO yemera ko afitiye banki.
20. Aya mafaranga ngo ninayo beretse umucamanza wo mu Rukiko rw’ubucuruzi ko ariyo basigayemo COGEBANK nyuma yo kuyishyura ayo ivuga ko arinyungu bayihaga nyamara xxx xxxx bimeze. Umucamaza rero mu bushishozi bwe kandi atabereye yemeje ko amafarnga basigayemo COGEBANK ari 1, 827, 119 Frw bakaba rero basanga urukiko ntaho rwibeshye.
21. Asoza asaba avuga ko kubirebana n’amasezerano yo kuwa 08/06/2016 bivugwa ko yavugururaga aya mbere, ko ayo masezerano atazahabwa agaciro.
Xxx xxxxxxx xxxxxxxx
22. Ingingo ya 9 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 ‘Urega agomba kugaragaza ibiminyetso by’ibyo aregera. Iyo abibuze, uwarezwe aratsinda.’’
23. Ingingo ya 110 y’itegeko n° 15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ko ‘’ukwiyemerera mu rubanza ni amagambo umuburanyi cyangwa umuhagarariye avugira mu rukiko agira ibyo yemera. Ayo magambo atsindisha uwayavuze.’’
24. Urukiko rusanga ibivugwa na Me NDAMAGE Xxxxxxxxx xx mu guca urubanza urukiko ngo rwabariye ku mwenda w’amafaranga 4,400,000 rwirengagiza ko amasezerano ategenya inyungu zisanzwe n'iz'ubukerererwe zingana na 19% ku nyungu zisanzwe naho iz'ubukerererrwe zikaba 7% ku mwaka, ibyo avuga bikaba bitahabwa ishingiro kuko usibye kuba nawe wenyine yiyemerera imbere y’urukiko mu bujurire ko mu masezerano impande zombi zagiranye nta xxxxxxx (taux d’intérêts) irimo ko ahubwo taux d’intérêt za COGEBANQUE xxx xxxx muri conditions générales zayo;
25. Kuba yarasabwe xxxxxxxxxxxx Xxxxxxx izo conditions générales kugira urukiko rurebe niba uregwa yarazisinyiye, xxx kuzizana akazana tarrification, iyi tarrification ikaba itagomba gufatwa nk’ikimenyetso kigomba kugenderwaho mu kwemeza ijanisha ry’inyungu kuri iyi nguzanyo kuko usibye no xxxx xxx inyandiko bwite ya banki (document interne), XXXXXXX Xxxx Xxxxxx xxxxx atarayishyizeho umukono xxxxx mpamvu itagomba kumugiraho ingaruka, bityo rero uku kubura
ibimenyetso k’uwajuriye bikaba bimutsindisha nk’uko biteganywa n’ingingo ya 9 y’itegeko N° 21/2012 ryo kuwa 14/06/2012 ryavuzwe haruguru.
26. Urukiko nyuma yo gusuzuma amasezerano yo kuwa 20/07/2012 bigaragara ko RUBANGO Xxxx Xxxxxx xxxxxxxxxxxx umukono mbere kuko yayasinyiye kuwa 17/07/2012 ariko iki akaba ataricyo kibazo kuko itariki nta wuyifiteho ikibazo, rusanga muri ayo masezerano impande zombi zarumvikanye ko inyungu zizabarirwa kuri taux de base COGABANQUE ya + 5.2%, naho inyungu z’ubukererwe zikabarirwa kuri taux de base COGEBANQUE + 7%, bityo kuba banki idashobora kugaragariza Urukiko icyo yita ‘’taux de base COGABANQUE’’, inyungu zisanzwe zikaba zaragombaga kubarirwa kuri 5,2% naho iz’ubukererwe zikabarirwa kuri 7% kuko arizo zigaragara mu masezerano na cyane ko banki nk’umunyamwuga yagombaga gutegura amasezerano adateza urujijo kandi izi nyungu zikabarwa ku mwaka.
27. Urukiko rusanga kuba banki itanga historique ya compte courant (yo kuva kuwa 01/01/2011-12/10/2016 n’iyo kuva kuwa 03/01/2011 -28/02/2017) ya XXXXXXX Xxxx Xxxxxx xxx gutanga historique ya compte credit, xxx xxxxxx bwo kujijisha urukiko na cyane ko izo historique zatanzwe bigaragara ko ari iza mbere y’uko umwenda utangwa (kuwa 17/11/2012), Urukiko rukaba rutabasha gusobanukirwa uburyo yishyuyemo n’inyungu yagiye acibwa, bityo Urukiko Rukuru rw’Ubucuruzi rukaba rutabona xxx urukiko rubanza rwahereye rwemeza ko RUBANGO Xxxx Xxxxxx xxxxxxxxx afitiye banki umwenda remezo n’inyungu bingana n’amafaranga 1,827,119 na cyane ko banki idashobora nayo kugaragariza urukiko ingano y’amafaranga asigaye ku mwenda remezo n’ay’inyungu usibye kubivuga mu buryo bukomatanyije.
28. Urukiko rusanga kuba banki idashobora kurusobanurira mu buryo butajijishije umwenda uregwa yaba ayifitiye, umwenda igomba kwishyura xxx xxxxxxxx na RUBANGO Xxxx Xxxxxx xxxxxx x’xxxxxxxxxx 1,551,540 FFRW nk’uko viteganywa n’ingingo ya y’itegeko n° 15/2004 ryo kuwa 12/06/2004 ryavuzwe haruguru.
29. Urukiko rusanga hari amasezerano yo kuwa 08/06/2016 Me XXXXXXX Xxxxxxxxx xxxxxxxxxx muri dosiye avuga ko banki yavuguruye amasezerano ya RUBANGO Xxxx Xxxxxx, xxxx xx’iburanisha yaravuze ko aya amsezerano n’ingwate ziyavugwamo nta gaciro yahabwa, icyo kikaba kitakiri ikibazo cyo gusuzumwa kuko xxxxx ukuyazana yiyemereye ko nta gaciro agomba guhabwa.
B. Ku birebana no gusuzuma niba nyuma yo gutanga ikirego mu rwego rwa mbere inyungu ziyongereyeho zahabwa ishingiro mu rwego rw’ubujurire
30. Me XXXXXXX Xxxxxxxxx asobanura ko Urukiko rwashingiye ngo ko Rubango Xxxx Xxxxxx xxxxxxxxxx 100,000 FRW rimwe na rimwe mu kwezi maze rubishingiraho rwemeza ko umwenda wishyuweho 2,858,931 FRW xxxxx xxx atari byo kuko ayo 100,000 FRW yatwarwaga n'inyungu z'ubukerererwe kuko amasezerano agaragaza ko yagombaga kwishyura buri kwezi 222,226 FRW. Umwenda ukaba ngo wari ugeze kuri 5,862,936 FRW ubwo ikirego cyatangwaga. Rubango yerekanye historique igaragaza ko uwo mwenda ungana na 5,862,936 Frw kimwe na COGEBANK.
31. Akomeza avuga ko mu rwego rwa mbere umwenda waregerwaga ari 5,862,936 FRW. Ikirego gitangwa mu bujurire umwenda ngo xxxxx xxx 6,127,557 FRW, bityo inyungu ziyongereyeho ngo xxxxx xxx 264,621 FRW.
32. Asoza avuga ko amafaranga yiyongeye ari 557,397 nyuma y’ikirego cya mbere nk’uko bigaragara muri tableau yakozwe na banki yabazwe kugeza mu kwezi kwa xxxx 2017.
33. Me GAHAMANYI Xxxxxx asobanura ko yibaza niba COGEBANK ikwiye guhabwa inyungu nyuma yaho iseseye amasezerano kandi ubwayo yaragize uruhare mugufinansa umushinga yabonaga ko utazaramba wo gucuruza amashanyarazi binyuze muri nzamura.
34. Akomeza avuga ko kuba COGEBANK yarikuye mu masezerano ubwayo yaragize uruhare mukwemeza umushinga ngo yabonaga udafite garantie amasezerano yigihe kigufi ashobora guseswa igihe icyo aricyo cyose, ko bityo idakwiye gusaba indishyi izo arizo zose.
35. Asoza avuga ko amasezerano COGEBANK yagiranye na RUBANGO Xxxx Xxxxxx xxxxxx afite inenge kuko atagaragaza kuva yasinywa inyungu nyakuri (taux d’interets) banki igenderaho, ngo usibye no kuba Banki yarayasheshe, nayo ubwayo arisenya kuko agaragaramo urujijo, mugukora aya masezerano xxx xxxxxx harimo kubeshya kwakozwe na COGEBANK itarabwiye Rubango Xxxx Xxxxxx inyungu nyakuri. Na none avuga ko inyungu zisabwa na banki itivuga uko zingana ko urukiko rutabona xxx ruhera ruzibara.
Xxx xxxxxxx xxxxxxxx
36. Urukiko rusanga ibivugwa na Me NDAMAGE Ferdinand yibaza niba nyuma yo gutanga ikirego mu rwego rwa mbere inyungu ziyongereyeho zahabwa ishingiro mu rwego rw’ubujurire, iki kikaba kitarigikwiye kuba impamvu y’ubujurire na cyane ko icyo asaba xxx xxx inyungu z’amafaranga 264,621 zaba zariyongereye mu bujurire, bityo iki cyakabaye kiza mu rwego rwo kugaragaza xxx inyungu zaba zigeze.
37. Byongeye kandi kwibaza niba inyungu zikwiriye gukomeza kubarwa kugeza ryari, urukiko rusanga kuri iyi nguzanyo zaragombye kubarwa kugeza umunsi banki isesa amasezerano ni ukuvuga kuwa 8/09/2015 (dénonciation du crédit kuko itari gusesa amasezerano nirangiza ngo ikomeze igendere kubyaba biyateganyijwemo.
38. Urukiko rusanga rero nk’uko byasobanuwe mu rubanza kuva mu gika cya 24 kugera kucya 29 ko kuba banki idashobora kugaragaza uburyo inyungu zabazwemo ndetse ngo inazitandukanye n’umwenda remezo, rukaba na none rutabona xxx ruhera rwemeza ko uregwa afitiye banki ibirarane by’inyungu izi n’izi.
C. Ku birebana no gusuzuma niba mu rwego rw'ubujurire hatangwa indishyi z'ikurikirana rubanza, igihembo cya avoka n'igarama.
39. Me XXXXXXX Xxxxxxxxx asobanura ko basaba indishyiz zo gushorwa mu manza z'amaherere mu rwego rw'ubujurire 2,000,000 FRW, iz’igihembo cya avoka 500, 000 FRW n’igarama 75.000 FRW.
40. Me GAHAMANYI Xxxxxx asobanura ko ku bijyanye n’amafaranga COGEBANK isaba xxx yemeza ko yashowe mu manza kuburyo bw’amaherere nyamara ngo batarahwemye kuyandikira bayimeneyesha ingorane zavutse zatumye batishyurira igihe asaba kwongererwa igihe ndetse akayiha n’ingwate yari yasabye.
41. Ibyo byose ngo ikabirengaho ikishora mu manza nta kintu uno munsi yagombye gusaba kuko ariyo yijyanye mu nkiko kubushake akaba rubagomba kwirengera ingaruka zaturutse kuri uko kujya munkiko.
Xxx xxxxxxx xxxxxxxx
42. Urukiko rusanga indishyi zisabwa na COGEBANQUE zitagomba gutangwa kuko ubujurire bwayo nta shingiro bufite.
D. Ku birebana no gusuzuma ishingiro ry’ubujurire bwuririye ku bundi
43. Me GAHAMANYI Xxxxxx asobanura ko impamvu COGEBANK ishingiraho ijurira nuko ngo urkiko rw’ubucuruzi rwa Nyarugenge rutabaze inyungu kandi mu miburanishirije COGEBANK itarigeze igaragaza izo nyungu isaba ngo baziburaneho. Mu kuregera urukiko COGEBANK ngo yavugaga ko umwenda iregera ari 4, 686, 050 Frw uyu mwenda ngo wari wo kandi ushyize mugaciro kuko RUBANGO Xxxx xxxxxx xxxxxxxxxx ko yishyuye 2, 858, 931 Frw na COGEBANK ubwayo ikaba itayahakana. Bisobanuye neza nkuko umucamanza yabyemeje ko nyuma yo kwishyura hari hasigaye 1, 827, 119 Frw bikaba bitumvikana ukuntu COGEBANK yareze itazi umubare w’amafaranga iregera kandi ubwayo ikaba itayasobanura xxxx xxx iyagaragaze kuko igenda ihindagura imibare uko bwije n’uko bucyeye kandi ubwo yasesaga amasezerano yaragaragaje umwenda wayo.
44. Ku bw’izo mpamvu ngo barasaba ko urukiko rwagenera RUBANGO Xxxx Xxxxxx 2, 500, 000 FRW zo gushorwa mu nkiko kumaherere mugihe yagaragaza ubushake bwo kwishyura ndetse akanasaba ko amasezerano avugururwa ariko BANK igahitamo inzira y’inkiko ndetse n’igihembo cya avoka gihwanye na 1, 000,000 FRW.
45. Me XXXXXXX Xxxxxxxxx asobanura ko ubu bujurire bwuririye ku bundi nta shingiro bufite kuko amafaranga COGEBANQUE iregera iyasobanura neza, dore ko 100,000 FRW Cogebanque ivuga igaragaza ko yatwarwaga n'inyungu z'ubukerererwe.
Xxx xxxxxxx xxxxxxxx
46. Urukiko rusanga indishyi zisabirwa RUBANGO Xxxx Xxxx xxxxxxxxx xxxxxxxx kuko nubwo banki itashoboye kugaragaza umwenda nyawo ayifitiye, nawe ubwe yiyemerera ko hari umwenda w’amafaranga 1,551,540 ayifitiye, bityo akaba atahindukira ngo yirengagize uwo mwenda anabisabire indishyi.
III. ICYEMEZO CY’URUKIKO
47. Rwemeye kwakira ubujurire bwa COGEBANQUE Ltd kuko bwatanzwe bikurikije amategeko, ariko rubusuzumye rusanga nta shingiro bufite.
48. Rweje ko ubujurire bwuririye ku bundi bwa RUBANGO Xxxx Xxxx xxx xxxxxxxx xxxxxx.
49. Rwemeje ko imikirize y’urubanza RCOM 01556/2016/TC/NYGE ihindutse ku bijyanye n’ingano y’umwenda gusa.
50. Rutegetse RUBANGO Xxxx Xxxx xxxxxxxxx COGEBANQUE umwenda ungana n’amafaranga 1,551,540 ayifitiye no kuyishyura izindi ndishyi nk’uko zemejwe mu rubanza RCOM 01556/2016/TC/NYGE.
51. Rutegetse ko amafaranga 75,000 COGEBANQUE Ltd yatanze ijurira aherera ku isanduku ya Leta.
RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME N’UMUCAMANZA MUTAJIRI M.
Xxxxxxxxx XXXX N’UMWANDITSI KANANGIRWA Epiphanie
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