Contract

URUKIKO RW’IKIRENGA, RURI IKIGALI, RUHABURANISHIRIZA IMANZA Z’UBUCURUZI, RUKIJIJE MU RUHAME KUWA 17/06/2011 URUBANZA Nº R.COMA 0042/10/CS MU BURYO BUKURIKIRA:

HABURANA:

- Rutamu Xxxx xx Xxxx, uhagarariwe na Me Mihigo Bienvenue

- BANKI NKURU y’IGIHUGU, BNR, ihagarariwe na Me Xxxxxxxxxx Xxxxxxx

2. IKIBURANWA

- Remboursement de 2.500.000 Frw équivalent à 50% des 5.000.000 Frw que Mr Xxxxxx Xxxx xx Xxxx a déposé à l’IMF URUMURI

- Dommages et intérêts et lucrum cessans de 20.000.000 Frw;

- Frais de recouvrement de 500.000Frw; honoraires d’avocat de 500.000 Frw; astreinte de 10% pour chaque mois de retard; remboursement des frais de consignation et exécution provisoire.

I. IMITERERE Y’URUBANZA

[1] Rutamu Xxxx xx Xxxx yagiranye amasezerano yo kubitsa na IMF URUMULI ku gihe cy’umwaka, ashyiramo 10.000.000 Frw. Tariki 12/06/2006, Rutamu yabikuje

5.000.000 Frw, hasigara andi 5.000.000Frw. BNR yaje gufata icyemezo cyo guhagarika microfinance URUMURI igihe mu gihugu hari ibibazo bya za microfinances zidakora neza.

[2] Igihe hafatwaga ingamba zo kugoboka abari barabikije amafaranga muri microfinances zafunze1, hakemezwa ingamba zo kugoboka abari abakiriya babikijemo amafaranga, Rutamu nawe yagiye gusaba aye ariko BNR irayamwima imubwira ko

atujuje ibyangombwa byemejwe n’Inama y’Abaminisitiri kuko adafite agatabo xx xxxxx.

Rutamu yashyikirije ikibazo cye Urukiko Rukuru

rw’Ubucuruzi, rwemeje ko ikirego cye gifite ishingiro, rutegeka BNR kumuha 2.500.000 Frw ahwanye na 50% y’ayo yari afite muri IMF URUMURI na 300.000 y’igihembo cya avoka.

[3] BNR yajuririye Urukiko rw’Ikirenga irusaba gukosora amakosa yakozwe n’umucamanza wa mbere nk’xxx yavuze ko BNR ariyo yashyizeho ikigega kigoboka

abari barabikije muri microfinances zafunze nyamara yari yarahawe gusa inshingano zo kugicunga. Ikindi ngo ni uko urukiko rwavuze

ko amafaranga rugeneye Rutamu ari impano kandi azasubizwa. BNR na none ntiyumva uburyo Rutamu yahawe 50% y’amafaranga yari yarabikije hirengagijwe ko atari yujuje ibyangombwa 1 ONGERA microfinance SA, INTAMBWE microfinance SA, URUMURI microfinance SA,GWIZA microfinance SA, Compagnie de microfinance URUGERO, COOPEC IWACU, COOPEC INTERA, COOPEC UBUMWE et COOPEC GISUBIZO.

byasabwaga, akanagenerwa n’amafaranga y’igihembo cya Avoka kandi nta gusobanura impamvu ayahawe.

[4] Rutamu nawe yajuririye zimwe mu ngingo z’urubanza atishimiye nko kuba Urukiko rwaravuze ko amafaranga rwamugeneye ari impano kandi icyo rwakoze ari ukumusubiza aye yari yarabikije. Avuga xxxxx xx atishimiye kuba ataragenewe indishyi z’akababaro yari yasabye kandi BNR yaramuruhije yanga kumuha amafaranga ye.

[5] Iburanisha ry’urubanza ryabaye kuwa 12/05/2011, BNR ihagarariwe na Me Xxxxxxxxxx Xxxxxxx xxxx Xxxxxx xxxxxxxxxxx na Me Xxxxxx Xxxxxxxx.

II. IBIBAZO BIGIZE URUBANZA N’ISESENGURA RYABYO

A. UBUJURIRE BWA BNR

a. Ese umucamanza wa mbere yaba yarakoze ikosa avuga ko BNR ariyo yashyizeho ikigega kigoboka abari barabikije muri Microfinance zafunze no kuba yaravuze ko amafaranga bahawe ari impano

[6] Uhagarariye BNR avuga ko umucamanza wa mbere yafashe ibintu uko bitari, kuko yavuze ko ari BNR yafashe icyemezo cyo kugoboka ababikije muri microfinances zafunze ibasubiza 50% y’amafaranga bari barabikije nyamara icyo cyemezo

cyarafashwe na Leta y’u Rwanda inashyiraho ikigega ayo mafaranga azavamo. Avuga xxxxx xx habaye ukwibeshya mu guca urubanza kuko umucamanza yemeje ko Rutamu adakwiye kugenerwa indishyi za 20.000.000 Frw kandi agenewe impano ya 50% y’amafaranga yari yarabikije muri IMF URUMURI, nyamara ayo 50% atari impano ahubwo ari nk’avansi kuko Leta izayisubiza ku mafaranga azava mu irangizagihombo.

[7] Uhagarariye Rutamu avuga ko umucamanza ntacyo yagoretse mu rubanza kuko BNR ariyo yafashe icyemezo cyo gufunga ziriya microfinances inashyiraho ikigega cyo kugoboka abakiriya bari bafitemo amafaranga, xxxxx xx ibyo yabikoze kubera ububasha ifite ku birebana

n’amafaranga mu gihugu hiyongeyeho n’inshingano ifite yo kungenzura imikorere y’amabanki n’ibindi bigo by’ibyari. Yavuze ko nabo bemera ko ariya mafaranga yatanzwe mu rwego rwo kugoboka abari barabikije muri microfinaces zafunze atari impano nk’uko umucamanza yabyemeje kuko ari ayabo basubijwe.

[8] Urukiko rurasanga icyemezo cyo gufunga microfinances zakoraga nabi cyarafashwe na BNR ishingiye ku bubasha ihabwa n’itegeko, naho ingamba zo kugoboka abari abakiriya bazo yo kubaha 50% z’amafaranga babikije kimwe n’iyo gushyiraho ikigega azavamo byaremejwe n’Inama y’Abaminisitiri, nyuma yo kumva ibitekerezo by’akanama k’impuguke na Komisiyo y’Abaminisitiri yashinzwe

gukurikirana iki kibazo. BNR rero nubwo atariyo yashyizeho ikigega, yahawe ububasha busesuye bwo kugicunga. Naho ku kibazo cyo kumenya niba ariya mafaranga

yatanzwe ari impano, Urukiko rurasanga nk’uko ababuranyi bombi babivuga, amafaranga 50% yabaye ahawe abari barabikije muri microfinances zafunze mu rwego rwo kubagoboka atari impano nk’uko byavuzwe n’umucamaza wa mbere, kuko Leta izayisubiza “procéedures de liquidation” ya za microfinances zahombye nizirangira. b. Kumenya niba Rutamu yaragenewe 50% y’amafaranga yari yarabikije hirengagijwe conditions zari zashyizweho kugira ngo umuntu ayabone.

[9] Uhagarariye BNR avuga ko mukwemeza ko Rutamu asubizwa 50% y’amafaranaga yari yarabikije muri IMF URUMURI, umucamanza yirengagije ko usaba ariya amafaranga hari ibyangombwa agomba kuba yujuje, urutonde rwabyo rukaba rwarashyizweho n’Inama y’Abaminisitiri, muri ibyo hakaba harimo nko kuba umukiriya agomba kwerekana agatabo ke xx xxxxx. Avuga ko Urukiko rwarenganyije BNR ruyitegeka kwishyura Rutamu 2.500.000 Frw nyamara atarashoboye kwerekana inyandiko zose yasabwaga harimo n’agatabo xx xxxxx ( livret de dépôts). Asobanura ko ibyo Rutamu avuga ko yari kuri liste yakozwe na “liquidateur “ bitahabwa agaciro kuko iriya liste yagombaga kubanza kunyura muri Banki y’Abaturage kugira ngoiyisuzume, nyuma ikemezwa n’Inama y’Abaminisitiri, ikabona kohererezwa BNR kugira ngo itange amafaranga.BNR ivuga ko imihango y’isesa gihombo nirangira Rutamu nawe azahabwa amafaranga ye nk’abandi bose IMF URUMURI ifitiye umwenda, ariko ko ubu itarenga kuri conditions zashyizweho na Xxxx xxxx xxx imuhe ariya 50% atangwa n’ikigega cy’ingoboka kuko atujuje

ibyangombwa.

[10] Rutamu n’umuburanira bavuga ko afite uburenganzira bwo guhabwa 50% y’amafaranga yari afite muri IMF URUMURI kuko uwashinzwe gucunga igihombo

cyayo yemeje mu ibaruwa ye yo kuwa 10/01/2008, ko Rutamu afite 5.000.000 Frw kuri konti ye, kandi n’izina rye rikaba rigaragara

ku rutonde rw’amazina y’abakiriya ba Mirofinance URUMURI bafiteamafaranga kuri za konti zabo rwatangajwe nawe. Bavuga ko Rutamu atakoreshaga agatabo kuko atari yarafunguye “compte courant” ahubwo ko yari afite “fixed account” xxx xxxx mpamvu yagiranye amasezerano yo kubitsa na microfinance URUMURI.

[11] Mu miburanire yayo , BNR ivuga ko impamvu nyamukuru ibuza Rutamu kugira uburenganzira bwo kubona 50 % y’amafaranga 5.000.000 yari yarabikije muri IMF URUMURI mbere y’uko ihomba ari xxx xxx aterekana agatabo ke xx Xxxxx xxxxx ako gatabo xxxx mu byangombwa by’ibanze Inama y’Abaminisitiri yasabye ko kagaragazwa kugira ngo umukiriya ashobore guhabwa amafaranga y’ikigega cy’ingoboka. Rutamu we avuga ko afite uburenganzira kuri ariya mafaranga kuko izina rye rigaragara kuri liste yakozwe na liquidateur wa IMF URUMURI kandi akemeza ko afitemo amafaranga

5.000.000. Ikindi Rutamu avuga, ni uko ubwoko bwa konti yo kuzigama yari yarafunguye hatakoreshwaga agatabo ahubwo ko yari yagiranye na Banki amasezerano yo kubitsa y’igihe cy’umwaka.

[12] Urukiko rurasanga ibivugwa na BNR ko Rutamu atagomba kubona amafaranga ye kubera ko nta gatabo xx xxxxx yerekanye ari ugusesengura amabwiriza y’Inama y’Abaminisitiri nabi kuko icyari kigenderewe ari ugushyiraho ikimenyetso gifatika cyashingirwaho mu kuyatanga kugira ngo hakumirwe uburiganya bw’abashaka kuyabona xxxxx xxxxx xxxx nta mafaranga yari ariho, bikaba rero byumvikana ko

Inama y’Abaminisitiri itashatse kuvuga ko agatabo ariko kimenyetso cyonyineumukiriya yatanga mu gihe bigaragara ko muri microfinances hafungurwaga izindi konti zidakoresha agatabo. Urukiko rurasanga nta cyatuma Rutamu adahabwa amafaranga ye nk’uko abandi bakiriya babikorewe kuko amasezerano yo kubitsa yo kuwa 14/05/2006 yagiranye na IMF URUMURI, ari ikimenyetso gihagije cyerekana ko yabikijemo amafaranga. Xxxx xxxxx izina rye rigaragara kuri liste y’abafite amafaranga kuri konti zabo yatangajwe n’ushinzwe gucunga igihombo cya IMF URUMURI nabyo ni ikimenyetso cy’inyongera gituma BNR itari ikwiriye kugira impungenge izo arizo zose cyane ko itashoboye kuvuguruza imvugo ya Rutamu ko muri IMF URUMURI hari konti zinyuranye abakiriya bahafunguraga, mu gihe Rutamu yerekana amasezerano ashyigikira ibyo avuga.

[13] Hashingiwe ku bimaze gusobanurwa, Urukiko rurasanga nk’uko byemejwe n’umucamanza wa mbere, Rutamu akwiye guhabwa amafaranga 2.500.000, cyane ko na BNR yivugira ko idahakana ko afite amafaranga muri IMF URUMURI, kuvuga ko azayahabwa nyuma y’imihango irangiza igihombo, akaba nta bisobanuro bifatika ibitangira mu gihe abandi bakiriya bameze nkawe bo bahawe amafaranga yabo.

c. Kumenya niba kuba BNR yarahawe inshingano zo gucunga ikigega cy’ingoboka byatuma ishobora kuregwa mu manza

[14] Uhagarariye BNR avuga ko Urukiko rwemeje ariko rwibeshye ariyo Rutamu yagombaga kurega bitewe ni xxx xxxxx yahawe inshingano yo gucunga kiriya kigega xxxxx xx xxxxx yamwimye amafaranga ye afiteho uburenganzira, nyamara xxxx xxx narwo rwemera ko BNR ari intumwa ya Leta, bisobanura ko BNR idashobora na rimwe mu nshingano yahawe yo gucunga kiriya kigega kurenga kuri conditions zashyizweho na Leta, bityo ikaba yumva ibibazo by’abasaba amafaranga ariko batujuje ibyangombwa Leta yashyizeho nta wundi byashyikirizwa atari Leta ubwayo.

[15] Ku ruhande rwa Rutamu bavuga ko BNR idakwiye guhunga inshingano zayo kuko mu byerekeye politiki y’ifaranga n’imari ntawe uyobewe ko Banki Nkuru y’Igihugu ariyo ihagararira Leta, kuvuga ko ikibazo cyerekeranye no gusubiza abakiriya ba

microfinances zahombye 50% y’amafaranga zari zibabikiye cyabazwa Leta basanga nta kuri kurimo. Bavuga ko ikindi cyerekana ko BNR ifite ububasha atari “simple mandataire” ni xxx xxxxx yashyizeho n’ushinzwe gucunga igihombo cya IMF URUMURI.

[16] BNR ivuga ko ariyo yafashe icyemezo cyo gufunga microfinances zikora nabi kandi inashyiraho “liquidateur” wa IMF URUMURI. BNR kandi nk’urwego rwahawe inshingano yo gukurikirana politiki y’imali , niyo yashinzwe n’Inama y’Abaminisitiri ikigega cy’imali cyashyiriweho kugoboka abakiriya ba microfinances zahombye ibasubiza 50% z’amafaranga bari barabikije. Urukiko rurasanga kuba BNR yarahawe ubutumwa bwo kuyobora gahunda y’isesa rya biriya bigo by’imali iciriritse, nta wundi wabazwa ibibazo birebana nayo atariyo; naho ibyo uyihagarariye avuga ko ari intumwa isanzwe (simple mandataire) bikaba nta shingiro bifite mu gihe ariyo ifata ibyemezo byose. Urukiko rusanga kandi Leta itaregwa mu manza zirebana n’ibibazo bikomoka ku isesa rya microfinances zavuzwe kuko yo icyo yakoze ari gufata ingamba kimwe no gushyiraho politiki rusange yo guhangana na kiriya kibazo; ibisigaye byose bikaba byabazwa BNR kuko xxxxx xx’uko byasobanuwe ifite inshingano n’ububasha busesuye bwo gucunga ishyirwa mu bikorwa by’amabwiriza y’Inama y’Abaminisitiri, bityo, Rutamu akaba ariyo yagombaga kurega.

d. Kumenya niba Rutamu ataragombaga kugenerwa amafaranga y’igihembo cya Avoka.

[17] BNR inenga kuba Rutamu yaragenewe 300.000 Frw y’igihembo cya avoka kandi ariwe wayikuruye mu manza nta mpamvu, Rutamu akaba agomba kwimenya mu bibazo bye. Barasaba ko ubujurire bwabo bwakwakirwa, Urukiko rukavuga ko bufite ishingiro, rugakuraho urubanza rwa

mbere kubera ko ruterekana icyo umucamanza yashingiyeho afata icyemezo, rugategeka Rutamu guha BNR indishyi z’akababaro kubera kuyikurura mu manza ku maherere, rugategeka Rutamu no kwishyura ibyatanzwe ku rubanza.

[18] Uburanira Rutamu yasubije ko nta tegeko umucamanza wa mbere yishe amugenera amafaranga y’igihembo cya Avoka kuko umuyobozi wa BNR ariwe watumye umukiriya we ajya mu nkiko bitewe n’uko yamwimye amafaranga ye kandi ayafiteho uburenganzira, bikaba ngombwa ko ashaka Avoka wo kumufasha mu rubanza.

[19] Urukiko rurasanga Rutamu akwiye kugenerwa amafaranga y’igihembo cya Avoka kuko kuba BNR itaramuhaye amafaranga ye kandi itabigaragariza impamvu ifatika aribyo byatumye ajya mu nkiko anashaka umunyamategeko umufasha mu rubanza, bityo 300.000 Frw yagenewe n’urukiko rwa mbere akaba agomba kuyahabwa.

A. UBUJURIRE BWA RUTAMU

a . Kumenya niba amafaranga 2.500.000 ahwanye na 50% y’ayo Rutamu yari afite kuri konti ye muri IMF URUMURI ari impano yahawe n’ikigega cy’ingoboka

[20] Uhagaraririye Rutamu avuga ko umucamanza yirengagije inyandiko zimwe na zimwe ziri muri dosiye, kuko nk’ibyo yavuze ko amafaranga 2.500.000 ageneye Rutamu ari imfashanyo ataribyo bitewe ni uko hari inyandiko y’ushinzwe igihombo cya IMF URUMURI ndetse n’amasezerano yo kubitsa, byerekana ko Rutamu yari yarabikije muri micofinance, ko rero gusubizwa ibye ari uburenganzira bwe.

[21] Nk’uko byasobanuwe haruguru, BNR nayo ivuga ko itemeranya n’byavuzwe n’urukiko rwa mbere ko ariya mafaranga ava mu kigega cyashyiriweho kugoboka abari abakiriya ba za microfinances zahombye ari imfashanyo kuko imihango y’irangiza gihombo nirangira Leta izayasubizwa.

[22] Urukiko rurasanga nk’uko bigaragara muri dosiye y’urubanza, Inama y’Abaminisitiri ariyo yafashe icyemezo cyo gushyiraho ikigega cyo kugoboka abari barabikije amafaranga muri za microfinances zafunze ariko ko nta havugwa ko ari impano babahaye ahubwo nk’uko byasobanuwe na BNR, ari nka avansi ku mafaranga bari bafitemo, bahawe mu rwego rwo kubafasha guhangana n’ikibazo kibatunguye bari bahuye nacyo, ko ariko ayo mafaranga Leta yashyize mu kigega izayiyishyura “sur le produit de la liquidation”.

x. Xxxx xxxxxxx xxxxxxxxxx xxxxxxx ingingo ya Rutamu isaba indishyi z’akababaro

[23] Rutamu n’umuburanira bavuga ko umucamanza atahaye Rutamu indishyi z’akababaro kubera ivangura BNR yamukoreye yanga kumuha amafaranga ye nk’uko yabikoreye abandi banyarwanda, nyamara amasezerano yo kubitsa yagiranye na IMF URUMURI yaragombaga kubyara inyungu ku gipimo cya 18% ku mwaka, ko rero ibyo urukiko rwakoze rumwima indishyi kandi ari umucuruzi binyuranye n’ibiteganywa n’ingingo ya 258 y’Igitabo cya gatatu cy’Urwunge rw’amategeko Mbonezamubano.

[24] Uburanira BNR avuga ko mu gihe Rutamu yemerewe gusubizwa amafaranga

2.500.000 kandi atujuje ibyangombwa byashyizweho na Leta nta n’impamvu yo kumugenera indishyi. Avuga ko Rutamu adakwiye gusaba indishyi ashingiye ku ngingo ya 258 y’Igitabo cya gatatu cy’Urwungerw’amategekombonezamubano kuko BNR nta kosa yamukoreye, ko icyemezo yafashe byakozwe mu rwego rw’inshingano yahawe xxxxx xx itigeze izitandukira.Ikindi gituma Rutamu atahabwa 20.000.000 Frw y’indishyi asaba, ngo ni uko aterekana xxx ashingira uriya mubare mu gihe bizwi ko ikiburanwa cy’iremezo ari amafaranga 2.500.000 gusa.

[25] Uru rukiko rurasanga amafaranga 20.000.0000 Rutamu asaba atarashoboye gusobanura impamvu yayo kuko rimwe avuga ko ari ingurane y’ibyo yahombye bitewe n’uko BNR itamuhereye amafaranga ye ku gihe kandi ari umucuruzi, ubundi akavuga ko ari indishyi z’akababaro kubera ko BNR yamuruhije kandi yari yayigejejeho ibisobanuro bihagije byatuma

ifata icyemezo.

III. ICYEMEZO CY’URUKIKO

[26] Rwemeje ko ubujurire bwa BNR n’ubwa Rutamu Xxxx xx Xxxx nta shingiro bufite.

[27] Rutegetse BNR guha Rutamu Xxxx xx Xxxx 2.500.000 Frw ahwanye na 50% y’amafaranga 5.000.000 yari kuri konti ye muri IMF URUMURI igihe yaseswaga hashingiwe ku masezerano yo kubitsa bagiranye.

[28] Ruvuze ko urubanza X.XXX 0249/09/HCC rwo kuwa 26/03/2010 rwaciwe n’Urukiko Rukuru rw’Ubucuruzi rudahindutse.

[29] Rutegetse ko amafaranga y’amagarama y’urubanza angana na 14.200Frw, aherera ku isanduku ya Leta.

RUKIJIJWE KANDI RUSOMEWE MU RUHAME KUWA 17/06/2011.

XXXXXX Xxx

Perezida Sé

MUKANYUNDO Patricie Xxxxxxxxxx

Sé

HAVUGIYAREMYE Julien

Umucamanza Xx

XXXXXXXXX Xxxxxxx Umwanditsi x’Xxxxxxx Xx