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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 27/05/2016 IKI CYEMEZO, MU BURYO BUKURIKIRA:

HABURANA:

UWAJURIYE:

- I&M BANK RWANDA, LTD, (Ex BANQUE COMMERCIALE DU RWANDA, LTD), B.P. 345 KIGALI RWANDA, iburanirwa na Me Xxxx Xxxxx XXXXXXXXXX.

ABAREGWA MU BUJURIRE:

- XXXXXXXXX Xxxxx, mwene KANANURA Straton na MUKAMUSONI, utuye IBUHORO, XXXXXXXXXX, XXXXXXXXX, XXXXXX, B.P. 837 KIGALI, Tel 0000000000/0000000000, yunganirwa na Me MUNYENTWARI Xxxxxxx.

- XXXXXX Xxxxx, xxxxx XXXXXXX, XXXXXXXXXX, XXXXXXXXX, XXXXXX, Umujyi wa KIGALI.

IKIBURANWA:

- Gushyiraho umukemurampaka wa gatatu mu kibazo cya I&M BANK RWANDA, LTD ifitanye na XXXXXXXXX Xxxxx na NARAME Ascia.

Kujurira imikirize y’urubanza RCOM 1639/15/TC/Nyge rwaciwe n’Urukiko rw’Ubucuruzi rwa NYARUGENGE, kuwa 30/12/2015.

IMITERERE Y’URUBANZA

[1] I&M BANK RWANDA, LTD yaregeye Urukiko rw’Ubucuruzi rwa NYARUGENGE, irusaba gushyiraho umukemurampaka wa gatatu mu kibazo ifitanye na XXXXXXXXX Xxxxx na XXXXXX Xxxxx, ivuga ko mu kugomba gukemura ikibazo bafitanye, yo imaze gushiraho umukemurampaka, kimwe na XXXXXXXXX Xxxxx, ariko NARAME Ascia akaba atashiraho uwe.

[2] Urwo Rukiko, rumaze kuburanisha urubanza, rwemeje ko ikirego cya I&M BANK RWANDA, LTD kidafite ishingiro kuko abakemurampaka bateganijwe mu Itegeko no mu masezerano y’inguzanyo ababuranyi bagiranye, bamaze gushyirwaho.

[3] I&M BANK RWANDA, LTD ntiyishimiye iyo mikiririze, iyijuririra uru Rukiko, ku mpamvu z’uko Urukiko rubanza rwirengagije impamvu zayiteye kurega, isaba ko uwo mukemurampaka ashirwaho, rukirengagiza kugaragaza impamvu rutemeza ishyirwaho ry’uwo mukemurampaka wa NARAME Ascia, ndetse rukanayica indishyi zidakwiye.

ISESENGURA RY’IBIBAZO BIRI MU RUBANZA

[4] Igisuzumwa muri ubu bujurire, ni ibinengwa n’uwajuriye ku birebana n’ishyirwaho ry’umukemurampaka wa gatatu; ku birebana n’ibyo Urukiko rwashingiyeho icyemezo cyo kudashiraho uwo mukemurampaka wa gatatu, no ku ndishyi.

A) Ku ishyirwaho ry’umukemurampaka wa gatatu.

[5] I&M BANK RWANDA, LTD isobanura iyi mpamvu yayo y’ubujurire, ivuga ko Urukiko rubanza rwemeje ko ikirego cyayo kidafite ishingiro nk’xxx nta mpamvu icyo kirego gishingiyeho, kandi nyamara icyayiteye kurega ni uko byari byagaragaye nyuma y’uko imariye gushyiraho umukemurampaka wayo, XXXXXXXXX Xxxxx xxxxxxxxxxx avuga ko hagomba kubanza inzira y’ubwumvikane mbere y’uko abakemurampaka bajyaho, yirengagiza ibiteganijwe mu masezerano yabo. I&M BANK RWANDA, LTD ikaba rero yaje mu Rukiko iyo nzira y’ubwumvikane itagishobotse, hari n’urubanza rwategetse ko habaho ubukemurampaka.

[6] I&M BANK RWANDA, LTD ikomeza gusobanura iyi mpamvu yayo, ivuga ko Urukiko rubanza rwabanje kwemeza ko imvugo ya XXXXXXXXX Xxxxx xxxxxxx xxxxxxxxx, xxxxx xxxx na none guhindukira ruvuga ko ikirego cyayo (I&M BANK RWANDA, LTD) kidafite ishingiro; kandi nyamara rwari rukwiye gutegeka ko ubukemurampaka bukomeza, abakemurampaka babiri xxxxxx xxxxxxxxxxx akaba aribo bashyiraho uwa gatatu.

[7] XXXXXXXXX Xxxxx xxxxxxxx avuga ko iyi mpamvu idafite ishingiro kuko Urukiko rubanza rwasobanuye neza ibyo rwashingiyeho, xxx rwagaragaje ko VUNINGOMA yubahirije inshingano ze, ashyiraho umukemurampaka wok u ruhande rwe, bityo ko abakemurampaka basabwa n’Itegeko bamaze gushirwaho, ko rero nta mpamvu yo gushiraho undi mukemurampaka bitari ngombwa kuko NARAME Ascia afite inyungu zimwe na XXXXXXXXX Xxxxx, cyane na none ko yari umwishingizi we gusa.

[8] XXXXXXXXX Xxxxx xxxxx xxxxxx I&M BANK RWANDA, LTD itari ikwiye kumurega kandi yarakoze ibyo yasabwaga, ashyiraho umukemurampaka, na I&M BANK RWANDA, LTD ikaba nayo

ibyemera. NARAME Ascia ntiyigeze yitabira iburanisha kandi yahamagawe mu buryo bwubahirije amategeko.

UKO URUKIKO RUBIBONA

[9] Rushingiye ku bisobanuro bitangwa n’impande zombi zaburanye iyi mpamvu y’ubujurire, rushingiye kuba ingingo ya 2 y’Itegeko nº 15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo igena ko “Ikimenyetso cyo mu rubanza ni uburyo bukoreshwa kugira ngo ukuri kw’ ibyabaye kugaragare.” Rumaze gusuzuma ibyo I&M BANK RWANDA, LTD yasabye Urukiko rubanza, rusanga ibimenyetso biri muri dosiye y’urubanza rwajuririwe (imyanzuro ya I&M BANK RWANDA, LTD…) bigaragaza ko I&M BANK RWANDA, LTD yasabye Urukiko gushyiraho umukemurampaka wa gatatu kuko umwe mu bafitanye ikibazo yanze kumushyiraho. Rusanga rero, kuba Urukiko rubanza rwanze kumushiraho, rukanasobanura impamvu rubyanze, birumvikana ko rwemeje ko ikirego cya I&M BANK RWANDA, LTD kidafite ishingiro.

[10] Urukiko rusanga icyo Urukiko rubanza rutakomeje gukora, ari ukugaragaza no gusobanura ingaruka y’ibyo XXXXXXXXX Xxxxx yiyemereye muri urwo Rukiko (xxxx imikirize y’urubanza rwajuririwe, kuri [5] in fine), akaba yongeye no kubyemera muri ubu bujurire (xxxx imyanzuro ya XXXXXXXXX Xxxxx mu bujurire, ku rupapuro rwa kabiri, Pt 1), xxx yemeje ko nta mpamvu y’uko NARAME Ascia ashiraho umukemurampaka wok u ruhande rwe, kuko afite inyungu zimwe nawe (VUNINGOMA). Rusanga nubwo urwo Rukiko rutabivuze ku mugaragaro, ari niyo ngaruka yo kudaha agaciro ikirego cya I&M BANK RWANDA, LTD yasabaga ko hashirwaho umukemurampaka wa gatatu (wo ku ruhande rwa NARAME Ascia).

B) Kubyo Urukiko rubanza rwashingiyeho icyemezo cyo kudashiraho umukemurampaka wa gatatu.

[11] I&M BANK RWANDA, LTD isobanura ko Urukiko rubanza rwemeje ko urubanza rwatanzwe nk’urugero mu iburanisha, rwanzwe gukurikizwa ku mpamvu z’uko imiterere yarwo itandukanye n’uru, kandi nyamara muri izi manza, haburanwa umwenda watanzwe n’amabanki, hakabaho umwishingizi, xxxxx xx na NARAME Ascia yari afite uburenganzira bwo kugira icyo zvuga ku umukemurampaka washyizweho na XXXXXXXXX Xxxxx. I&M BANK RWANDA, LTD ikaba isanga ko Urukiko rubanza, kuba rwarabonye ko NARAME Ascia na XXXXXXXXX Xxxxx bahuje inyungu, rwari kubigaragaza mu cyemezo cyarwo, ko umukemurampaka wa XXXXXXXXX Xxxxx xxx nawe wa NARAME Ascia, kugira ngo uyu atazasaba ko icyemezo cy’abakemurampaka giteshwa agaciro, kuko ikibazo kireba ibice bitatu.

[12] XXXXXXXXX Xxxxx xxxxxxxx kuri iyi mpamvu y’ubujurire, avuga ko nayo idafite ishingiro kuko urubanza I&M BANK RWANDA, LTD yashingiragaho, yarimo amasosiyete abiri atandukanye kandi afite inyungu zitandukanye, aburana na Banki; bikaba bidahuje n’uru xxx inyungu za NARAME Ascia n’ize, zidatandukanye. Asanga na none bitari ngombwa ko Urukiko rubanza rushira mu cyemezo ko umukemurampaka we, ari nawe wa NARAME Ascia, kuko sicyo cyaregewe, ahubwo rwari kuba rwarengereye kucyo rwaregewe; na I&M BANK RWANDA, LTD ikaba nayo itashobora kubisaba ubu, kuko byaba ari uguhindura ikirego.

UKO URUKIKO RUBIBONA

[13] Rusanga ku birebana n’urubanza rwatanzwe nk’urugero ku rwego rw mbere, nubwo ababuranyi batarutanze mu iburanisha, ngo barwisobanureho, ariko na none sirwo xxxxxx mu gihe Itegeko rishingiweho risobanutse, kandi rinasobanuwe.

[14] Rushingiye rero ku byasobanuwe mu mpamvu ya mbere y’ubujurire, runashingiwe ku biteganijwe mu ngingo za 12 na 13.1º z’Itegeko nº 005/2008 ryo kuwa 14/02/2008 ryerekeye ubukemurampaka mu bibazo by’ubucuruzi, ingingo zigena ko “Abagiranye amasezerano bafite uburenganzira bwo kwihitiramo umubare w’abakemurampaka ugomba igihe cyose kuba igiharwe. Iyo badashoboye kumvikana, hashyirwaho batatu (3). Abakemurampaka bashobora xxxx xxx abo mu Rwanda cyangwa ari abo mu kindi gihugu.” (12) Xxxxx xx “Nta wakwangirwa kuba umukemurampaka hashingiwe ku bwenegihugu bwe, keretse byemejwe ukundi n’abagiranye amasezerano y’ubukemurampaka. Abagiranye amasezerano y’ubukemurampaka bafite uburenganzira bwo kumvikana ku buryo bahitamo umukemurampaka cyangwa Inteko y’Abakemurampaka, hatabangamiwe ibiteganywa mu gika cya 4 n’icya 5 by’iyi ngingo. Iyo batumvikanye: 1 ° mu gihe Inteko y’Abakemurampaka igomba kuba igizwe n’abakemurampaka batatu (3), buri wese mu biyambaje ubukemurampaka ahitamo umukemurampaka umwe, maze abo bakemurampaka babiri bagahitamo umukemurampaka wa gatatu;….” Rusanga kuba harabayeho amasezerano kuwa 16/09/2008 hagati ya I&M BANK RWANDA, LTD na XXXXXXXXX Xxxxx, hakazamo NARAME Ascia nk’umwishingire wa XXXXXXXXX Xxxxx, biragaragara ko abab bombi bahuje inyungu mu kibazo bafitanye na I&M BANK RWANDA, LTD, ku buryo bitari ngombwa gushiraho umukemurampaka wo ku ruhande rwa NARAME Ascia.

C) Ku ndishyi zaciwe I&M BANK RWANDA, LTD.

[14] I&M BANK RWANDA, LTD yashingiye ku mpamvu zayo z’ubujurire zibanziriza, ivuga ko itari ikwiye gucibwa indishyi cyane ko VUNINGOMA Peer yemeza ko nta bukemurampaka bwakomeza mu gihe cyose nta nzira z’ubwumvikane zabanje kubaho, na NARAME

Ascia akaba nta bushake afite bwo gushiraho umukemurampaka wuzuza inteko.

[15] XXXXXXXXX Xxxxx xxxxxxxx avuga ko n’iyi mpamvu nayo idafite ishingiro kuko I&M BANK RWANDA, LTD yamushoye mu manza nta mpamvu, bituma ashaka avoka, akanakurikira urubanza; akaba ahubwo asanga Urukiko rubanza rwamugeneye amafaranga macye, akaba asaba muri ubu bujurire, ko I&M BANK RWANDA, LTD yamuha Rwf 10,000,000 yasabye yo ku rwego rwa mbere, hakiyongeraho Rwf 2,000,000 y’ikurikiranarubanza n’igihembo cya Avoka byo mu bujurire.

UKO URUKIKO RUBIBONA

[16] Rushingiye ku isesengura rwakoze mu mpamvu z’ubujurire za I&M BANK RWANDA, LTD zibanziriza iyi; rushingiye kuba ingingo ya 9 z’Itegeko nº 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, igena ko “Urega agomba kugaragaza ibiminyetso by’ibyo aregera. Iyo abibuze, uwarezwe aratsinda. Naho uvuga ko icyo yategekwaga gukora cyagaragajwe n’ibimenyetso atagitegetswe kugikora, agomba kugaragaza impamvu zakimukuyeho. Iyo abiburiye ibimenyetso, uwo baburana aramutsinda.” N’ingingo ya 258 y’Igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano, ikagena ko “Igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse.”

[17] Rusanga nta mpamvu yo kuvanaho indishyi zaciwe I&M BANK RWANDA, LTD ku rwego rwa mbere; rusanga na none ariko ko XXXXXXXXX Xxxxx adakwiye kugenerwa xxxx xxxxxxxxx y’indishyi, kuko uretse kuba ayo asaba akabije kuba ikirenga, kandi adasobanuriwe impamvu y’iyo ngano, ariko ayo yagenewe ku rwego rwa mbere, arahagije kumuhoza no gukurikira uru rubanza no mu bujurire.

ICYEMEZO CY’URUKIKO:

[18] Xxxxxxx Xxxxxx rw’Ubucuruzi:

- Rwemeye kwakira ubujurire bwatanze na I&M BANK (RWANDA), LTD, kuko bwatanzwe mu buryo bwubahirije amategeko, rubusuzumye, rusanga bufite ishingiro kuri bimwe.

- Rwemeje ko imikirize y’urubanza rwajuririwe, RCOM 1753/15/TC/Nyge, rwaciwe n’Urukiko rw’Ubucuruzi rwa Nyarugenge, kuwa 11/02/2016, ihindutse kuri bimwe.

- Rukijije ko icyemezo cyajuririrwe kitakomeje ibisobanuro byacyo, kigaragaza impamvu zo kudashiraho umukemurampaka wa gatatu.

- Rukijije ko impamvu hadakwiye kujyaho umukemurampaka wa gatatu, aruko uwashyizweho na XXXXXXXXX Xxxxx xxxxxxxxxxx n’uhuje inyungu zimwe mu masezerano na NARAME Ascia.

- Rutegetse ko abakemurampaka bashyizweho, bashyizweho n’inyungu zose zigaragara mu masezerano yateganyije ubwo bukemurampaka.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME MU RUKIKO RUKURU RW’UBUCURUZI, NONE KU WA 27/05/2016 BIKOZWE N’UMUCAMANZA KIBUKA M. Xxxx-Xxx XXXXXXXXX N’UMWANDITSI

KANANGIRWA Epiphanie.

N-B : uru rubanza ntirwasomwe kuwa 29/04/2015 bitewe n’uko umucamanza yararwaye, rwimurirwa none, muri gahunda nshya y’isomwa nyuma yo gukira k’umucamanza.

UMWANDITSI

KANANGIRWA Epiphanie

Sé

UMUCAMANZA

XXXXXX Xxxx-Xxx

Sé

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