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URUKIKO RUKURU RW’UBUCURUZI RURI I KIGALI KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI MU RWEGO RW’UBUJURIRE, RWACIYE KU WA 28/11/2016 URU RUBANZA, MU BURYO BUKURIKIRA:

HABURANA:

UWAJURIYE:

- MWENEGAHUTU Ildephonse, mwene ZINYWABANZI Protais na NYIRAMPORA Euphrasie, utuye mu Mudugudu w’INDAMUTSA, Akagari xx Xxxxxx, Umurenge wa MUHIMA, Akarere ka NYARUGENGE, Umujyi wa KIGALI.

ABAREZWE MU BUJURIRE:

- COGEBANQUE, LTD, mu izina ry’umuyobozi wayo, iburanirwa na Me XXXXXXX Xxxxxxxxx.

- NYIRAHABIMANA Xxxxxxxx utuye mu Mudugudu w’INDAMUTSA, Akagari xx Xxxxxx, Umurenge wa MUHIMA, Akarere ka NYARUGENGE, Umujyi wa KIGALI.

IKIBURANWA:

- Gutegeka uregwa kwishyura Rwf 4,135,386 akomoka ku nguzanyo yahawe,

- Inyungu zisanzwe n’iz’ubukererwe zibarwa kuri 24% buri kwezi kugeza urubanza rubaye ndakuka,

- Indishyi zo gushorwa mu manza ku maherere,

- Indishyi z ‘ikurikiranarubanza,

- Igihembo cya avoka n’amafaranga yahawe umuhesha w’Inkiko n’igarama.

Kujurira imikirize y’urubanza RCOM 0799/15/TC/Nyge rwaciwe n’Urukiko rw’Ubucuruzi rwa NYARUGENGE, kuwa 06/11/2015.

IMITERERE Y’URUBANZA

[1] COGEBANQUE, LTD yareze MWENEGAHUTU Ildephonse mu Rukiko rw’Ubucuruzi rwa NYARUGENGE, na NYIRAHABIMANA Xxxxxxxx, xxxx yaragiranye amasezerano y’inguzanyo na MWENEGAHUTU Ildephonse, yishingirwa na NYIRAHABIMANA Xxxxxxxx; bakaba batubahirije inshingano zabo zo kwishyura iyo nguzanyo.

[2] Urukiko rw’Ubucuruzi rwa Nyarugenge, rwaburanishije urwo rubanza, rwemeza ko ikirego cya COGEBANQUE, LTD gifite ishingiro, rutegeka MWENEGAHUTU Ildephonse kwishyura umwenda ayibereyemo, xxxxx xx afatanya n’umwishingire we NYIRAHABIMANA Xxxxxxxx, bakanasubiza COGEBANQUE, LTD ingwate y’igarama yatanze.

[3] MWENEGAHUTU Ildephonse ntiyishimiye iyo mikirize, ayijuririra uru Rukiko ku mpamvu z’uko Urukiko rubanza rwaciye urubanza ku masezerano y’inguzanyo itaregewe, runemeza ibitandukanye n’ibyaregewe.

[4] Ikigomba gusuzumwa no gufatwaho umwanzuro muri ubu bujurire, ni ukumenya niba Urukiko rubanza rwaciye urubanza ku kitaregewe (ultra petita).

ISESENGURA RY’IBIBAZO BIRI MU RUBANZA

A) Kumenya niba niba Urukiko rubanza rwaciye urubanza ku kitaregewe (ultra petita).

[5] Muri ubu bujurire, MWENEGAHUTU Ildephonse yagitanze wenyine, NYIRAHABIMANA Xxxxxxxx ahamagarwa nk’uwaruburanye ku rwego rwa mbere, ariko ntiyaboneka xxx yabarizwaga, bituma ahamagarwa ahatazwi bikurikije ibiteganijwe mu mategeko. MWENEGAHURU Ildephonse, akaba asobanura ubujurire bwe, avuga ko COGEBANQUE, LTD yaregeye Urukiko rubanza, ibirebana n’amasezerano y’inguzanyo yo kuwa 02/03/2012, ariko mu gufata icyemezo (kuri [20]) rushingira ku masezerano yo kuwa 11/06/2013, kandi atari aya masezerano yaregewe.

[6] MWENEGAHUTU Ildephonse akomeza gusobanura mu myiregurire ye, ko Urukiko rubanza, mu buryo butandukanye n’icyaregewe, rwemeje mu gika cya [19] cy’imikirirze y’urubanza, ko amasezerano ya nyuma yagombaga kurangira neza iyo MWENEGAHUTU Ildephonse yishyura neza, ko rero ibyo bitayibuza kuregera umwenda wayo; bityo rero icyo cyemezo kikaba kigomba guhindurwa mu bujurire.

[7] MWENEGAHUTU Ildephonse avuga ko COGEBANQUE, LTD yajijishije Urukiko rubanza, kuko amasezerano yaregewe, yari yarayishuye mu kwezi kwa kabiri 2013, babona gukora andi masezerano atarigeze aregerwa Urukiko; ECOBANQUE, LTD ikaba yarakomeje kumubaraho inyungu ku masezerano ya mbere kandi yararangije kuyishyura, bityo ko n’icyo NYIRAHABIMANA Xxxxxxxx yishingiye cyari cyararangiye; akaba asanga n’ubujurire bwa COGEBANQUE, LTD bwuririye kubwe, nta shingiro bufite kuko bushingiye ku bintu byateshejwe agaciro n’xxxx xxxxxxxxxx.

[8] Mu kwiregura kwayo muri ubu bujurire, COGEBANQUE, LTD ivuga ko ntacyo Urukiko rubanza rwishe mu cyemezo rwafashe, kuko kuba rwashingiye ku masezerano yo kuwa 11/06/2013 xxx xxxx xxx kuwa 02/03/2012, urwo Rukiko rwabisobanuye neza mu gika cya [12] cy’imikirize y’urubanza, xxx rwasanze ko amasezerano yo kuwa 02/03/2012 yahinduwe kuwa 11/06/2013, xxx xxxxxxxxxx akaba yaratanzwe mu mwanzuro wa Banki, kandi no mu iburanisha ryabaye imbere y’Urukiko, na MWENEGAHUTU Ildephonse ubwe yashingiye kuri ayo masezerano, nk’uko bigaragara mu gika cya [4] cy’imikirize y’urubanza. Ko rero iyi mpamvu y’ubujurire idafite ishingiro.

[9] COGEBANQUE, LTD ikomeza gusobanura ko Urukiko rubanza rwasobanuye neza mu bika bya [8] na [10] by’imikirize y’urubanza, ko kuba igihe cyo kurangiza kwishyura kitarashira, ariko kuba amasezerano atari kubahirizwa n’uruhande rumwe (MWENEGAHUTU Ildephonse), bitabuza COGEBANQUE, LTD kurega. Ivuga xxxxx xx ibi byanateganijwe mu masezerano yabo, mu ngingo ya 14.

[10] COGEBANQUE, LTD yasoje nayo itanga ubujurire bwuririye kubwa MWENEGAHUTU Ildephonse, iregera inyungu z’ubukererwe za 24% buri kwezi n’igihembo cya avoka mu bujurire. Ivuga ko Urukiko rwaregewe umwenda wa Rwf 4,135,386, ariko rwemeza uwa Rwf 2,657,985 kandi nyamara uregwa atigeze ahakana umwenda yarezwe. Ikindi ngo n’uko urwo Rukiko rwabaze inyungu z’ubukererwe ku gipimo cya 22%, kandi yagombaga kuba 24%, bityo icyo gihe zikaba zagombaga kuba Rwf 744,369, ubu hakaba haniyongereyeho Rwf 329,080. Ikanasaba igihembo cya Avoka cyo mu bujurire cya Rwf 400,000 n’indishyi zo gushorwa mu manza z’amaherere za Rwf 500,000.

UKO URUKIKO RUBIBONA

[11] Rushingiye kuri iyi mpamvu y’ubujurire ya MWENEGAHUTU Ildephonse, no ku myiregurire ya COGEBANQUE, LTD, runashingiye kuba mu mikirize y’urubanza rwajuririwe, hagaragara mu kiregerwa ko nta masezerano yihariye COGEBANQUE, LTD yashingiyeho ikirego cyayo, bikaba binagaragara muri iyo mikirize (ku gika cya [4]) ko ari MWENEGAHUTU Ildephonse wazanye ahubwo itandukanyirizo hagati y’ayo masezerano abiri yabayeho, ariko akanemeza ko zombi atazubahirije;

[12] Rushingiye xxxxx xxxx amasezerano y’inguzanyo yabaye hagati ya COGEBANQUE, LTD na MWENEGAHUTU Ildephonse yishingiwe na NYIRAHABIMANA Xxxxxxxx, yo kuwa 11/06/2013, yaburanweho mu rubanza rujuririrwa, igibwaho impaka nk’uko binagaragazwa n’igika cya [12] cy’imikirize y’urwo rubanza; ayo masezerano nayo ubwayo

agashingira ku masezerano ya mbere atarubahirijwe (xxxx ingingo zayo za 1 na 2;

[13] Rushingiye kuri ibi rumaze kubona, no kuba ingingo ya 4 y’Itegeko nº 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, iteganya ko “Ikiburanwa kigenwa n’ibisabwa na buri muburanyi. Ibisabwa bigaragazwa n’inyandiko itangiza ikirego n’imyanzuro yo kwiregura. Mu iburanisha umuburanyi ntashobora guhindura ikirego ababuranyi bose batabyemeye. Ikiburanwa ntigishobora guhindurwa na gato mu rukiko rwajuririwe. Icyakora ikiburanwa gishobora guhindurwa n’ibirego by’imigereka iyo bifitanye isano ihamye n’ibyo ababuranyi basaba.” Rusanga iyi mpamvu y’ubujurire ya MWENEGAHUTU Ildephonse idafite ishingiro, kuko Urukiko rubanza rwaciye urubanza ku cyaregewe; bityo ibyo MWENEGAHUTU Ildephonse yasabye byose, bishamikiye kuri iyi mpamvu, nabyo nta shingiro bifite.

[14] Rushingiye ku biteganwa n’ingingo ya 167 y’Itegeko nº 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, igena 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. Ubujurire bwuririye ku bundi bukorwa n’uwarezwe mu bujurire bwerekeye ku wajuriye cyangwa ku bandi barezwe mu bujurire. Ntabwo bushingira gusa kugusaba indishyi. Ubujurire bwuririye ku bundi ntibushobora kwakirwa mu gihe ubujurire bw’ibanze butakiriwe cyangwa bwasibwe. Bwakirwa gusa iyo budatandukanye n’ikirego cyashyikirijwe urukiko. Ubujurire bwuririye ku bundi ntibutangirwa ingwate y’amagarama;”.

[15] Rushingiye ku byasabwe na COGEBANQUE, LTD mu bujurire bwayo bwuririye kubwa MWENEGAHUTU Ildephonse, no ku biteganijwe mu masezerano abab baburanyi bagiranye, mu ngingo zayo za 3 na 13; runashingiye kuba ingingo ya 64 y’Itegeko nº 45/2011 yo kuwa 25/11/2011 rigenga amasezerano, iteganya 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.” Rusanga umwenda remezo ukwiye gusigara uwa Rwf 2, 657,985, xxx Rwf 4,135,386, kuko ariwo wagaragajwe na COGEBANQUE, LTD igihe yandikiye MWENEGAHUTU Ildephonse «dénociation de crédit» kuwa 16/03/2015; xxxxx xxxxxxxxx inyungu zawo z’ubukererwe zibazwe kugeza xxx urubanza rwajuririwe rwaciriwe, za Rwf 744,369, kandi ubu ziyongereyeho Rwf 329,080 mu bujurire.

[16] Rusanga nk’uko ingingo ya 258 y’igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano, ibiteganya, “Igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha

ibyangiritse.” MWENEGAHUTU Ildephonse akwiye guha COGEBANQUE, igihembo cya Avoka cyo mu bujurire cya Rwf 400,000 n’indishyi zo gushorwa mu manza z’amaherere zitangwa mu bushishozi bwarwo, za Rwf 50,000. Xxxx xxxxx, akaba Rwf 4,181,434.

ICYEMEZO CY’URUKIKO:

[17] Xxxxxxx Xxxxxx rw’Ubucuruzi:

- Rwemeye kwakira ubujurire bwatanzwe na MWENEGAHUTU Ildephonse, kuko bwatanzwe mu buryo bwubahirije amategeko, rubusuzumye, rusanga nta shingiro bufite.

- Rwemeye kwakira ubujurire bwa COGEBANQUE, LTD bwuririye kubwa MWENEGAHUTU Ildephonse, kuko bwatanzwe mu buryo bwubahirije amategeko, rubusuzumye, rusanga bufite ishingiro kuri bimwe.

- Rwemeje ko imikirize y’urubanza rwajuririwe, RCOM 0799/15/TC/Nyge rwaciwe n’Urukiko rw’Ubucuruzi rwa NYARUGENGE, kuwa 06/11/2015, ihindutse gusa ku ngano y’umwenda

- Rukijije ko MWENEGAHUTU Ildephonse agomba gufatanya na NYIRAHABIMANA Xxxxxxxx kwishyura COGEBANQUE, LTD, Rwf 4,181,434 y’umwenda wose n’amafaranga y’ikurikiranarubanza, uko bisobanuwe hejuru.

- Rutegetse MWENEGAHUTU Ildephonse gufatanya na NYIRAHABIMANA Xxxxxxxx kwishyura COGEBANQUE, LTD, Rwf 4,181,434.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME MU RUKIKO RUKURU RW’UBUCURUZI, NONE KU WA 28/11/2016 BIKOZWE N’UMUCAMANZA KIBUKA M. Xxxx-Xxx XXXXXXXXX N’UMWANDITSI

MUKAKIMANUKA Xxxxx-Xxxxx.

N-B: Uru rubanza ntirwasomwe kuwa 18/11/2016 kuko umucamanza yari agikeneye ikindi gihe gito cyo kurangiza kurusuzuma, rwimurirwa none.

UMWANDITSI

MUKAKIMANUKA Xxxxx-Xxxxx

Sé

UMUCAMANZA

XXXXXX Xxxx-Xxx

Sé

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