Contract

URUKIKO RW’UBUCURUZI RWA NYARUGENGE, RURI I KIGALI RUHAKIRIJE URUBANZA Rcom 0635/011/TC/Nyge MU RWEGO RW’IBURANISHA MU MIZI NONE KU WA 23/12/2011.

HABURANA:

UREGA : Banki y’Abaturage y’u Rwanda LTD (BPR LTD), iburanirwa na Me MUGEMANYI Védaste.

UREGWA :

1. IBARUSHIMBABAZI Xxxxxx utuye mu Mudugudu wa MUHAMBA, Akagari ka KABAGESERA, Umurenge wa RUNDA, Akarere ka KAMONYI, Intara y’AMAJYEPFO.

2. SINGURANAYO Xxxxxx, utuye mu Mudugudu wa MUHAMBA, Akagari ka KABAGESERA, Umurenge wa RUNDA, Akarere ka KAMONYI, Intara y’AMAJYEPFO.

3. MUJAWIYERA Xxxxx, utuye mu Mudugudu wa MUHAMBA, Akagari ka KABAGESERA, Umurenge wa RUNDA, Akarere ka KAMONYI, Intara y’AMAJYEPFO.

IKIREGERWA:

-Umwenda wose ungana na 2.835.780Frw (umwenda remezo wa 2.634.267Frw, inyungu zisanzwe za 151.141Frw, iz’ubukererwe 50.380Frw).

-Frais de procédure et de recouvrement zingana na 250.000Frw.

I. IMITERERE Y’URUBANZA

[1] Mu myanzuro ya BPR LTD, uyihagarariye avuga ko ku wa 16/9/2008 ishami rya BPR LTD rya MUHIMA/RUNDA ryagurije IBARUSHIMBABAZI Xxxxxx xxxxxxx ungana na 5.000.000Frw yagombaga kwishyura mu mezi 36. Avuga ko kugeza ubu atarawishyura. Avuga ko IBARUSHIMBABAZI Xxxxxx xxxxxxxxxx na SINGURANAYO Xxxxxx, na XXXXXXXXXX Xxxxx.

[2] Ibibazo byo xxxxxxxxx x’xxxxxxx xxxx xxx xxxxxxx :

-Iyubahirizwa ry’amasezerano y’iguriza ;

-Amafaranga yishyuzwa na BPR LTD ;

-Indishyi zisabwa na BPR LTD;

-Uburyozwe bwa SINGURANAYO Xxxxxx na XXXXXXXXXX Xxxxx;

-Irangizarubanza ry’agateganyo.

II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA

a) Iyubahirizwa ry’amasezerano y’iguriza

[3] Amasezerano yo ku 16/09/2008 Banki y’abaturage ya RUNDA-TABA yagiranye na IBARUSHIMBABAZI Xxxxxx xx wa 16/09/2008 agaragaza ko iyi banki yagurije IBARUSHIMBABAZI Xxxxxx 5.000.000Frw, kandi nawe arabyemera. Ayo

masezerano agaragaza ko IBARUSHIMBABAZI Xxxxxx xxxxxxxxxx kwishyura uyu mwenda ku wa 15/11/2008, akarangiza kuwishyura ku wa 15/10/2011. Ifishi y’umwenda igaragaza ko IBARUSHIMBABAZI Xxxxxx xxxxxxxxx umwenda remezo ungana na 2.634.267Frw. Ibi bikaba bigaragaza ko atubahirije amasezerano yagiranye na banki.

b) Amafaranga yishyuzwa na BPR LTD

[4] BPR LTD xxxxxxxx XXXXXXXXXXXXXXX Damien 2.634.237Frw y’umwenda remezo, 151.141Frw y’inyungu zisanzwe, 50.380Frw y’inyungu z’ibihano byo gukererwa. IBARUSHIMBABAZI Xxxxxx xxxxxxx urukiko ko amafaranga Banki xxxxxxxx xxxxxxx. Yakomeje avuga ko impamvu xxxxxxxxx nk’uko yabisezeranye na banki xxx xxx imodoka yaguze mu mafaranga yagurijwe yagize ibibazo byo gupfa moteri akaguriramo indi, ko kandi na yaje no gufungwa. Yasabye ko yakoroherezwa kwishyura. Izi mpamvu atanga zikaba zitahabwa agaciro kuko amasezerano agomba kubahirizwa uko abayagiranye babyifuje.

[5] IBARUSHIMBABAZI Xxxxxx xxxxxx xxxxxxxxx kwishyura umwenda asigayemo n’inyungu zawo, ndetse n’ibihano byo gukererwa nk’uko byagaragajwe mu gika kibanziriza iki, kuko amasezerano yagiranye na banki ariko abivuga, kandi nawe akaba abyemera. Ibi urukiko rurabishingira ku masezerano avuga ko IBARUSHIMBABAZI Xxxxxx xxxx kurangiza kwishyura ku wa 15/10/2011, akaba anavuga ko azishyura inyungu zibariwe kuri 14% ku mwaka, yakererwa akishyura inyungu z’ibihano zibariwe kuri 4%. Rurabishingira xxxxx xx ngingo ya 33 CCLIII ivuga ko amasezerano akozwe mu buryo bukurikije amatageko aba itegekao hagati y’abayagiranye, no ku ngingo ya 82 CCLIII ivuga ko mu masezerano magirirane utujurijwe inshingano ahitamo guhatira uwo bayagiranye kuyubahiriza, cyangwa agahitamo gusesa amasezerano. Rurashingira xxxxx xx ngingo ya 110 y’itegeko N° 15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso n’itangwa ryabyo, igira iti : igika cya 1: “ukwiyemerera mu rubanza ari amagambo umuburanyi cyangwa umuhagarariye avugira mu rukiko agira ibyo yemera”, igika cya kabiri : “ayo magambo atsindisha uwayavuze”.

c) Indishyi zisabwa na BPR LTD

[6] Amafaranga y’ikurikiranarubanza n’igihembo cy’Avoka BPR LTD isaba igomba kuyahabwa hashingiwe ku ngingo ya 258 CCLIII. Mu bushishozi bw’urukiko, indishyi agomba guhabwa zingana na 250.000Frw nk’uko yayasabye.

d) Uburyozwe bwa SINGURANAYO Xxxxxx na XXXXXXXXXX Xxxxx

[7] Amasezerano yo ku wa 16/09/2008 agaragaza ko SINGURANAYO Xxxxxx xxxxxxxxxx XXXXXXXXXXXXXXX Xxxxxx, akagaragaza ko XXXXXXXXXX Xxxxx xxxxxxx nk’umugore wa IBARUSHIMBABAZI Xxxxxx, akaba rero atari umwishingizi.

[8] SINGURANAYO Xxxxxx xxxxxx xxxxxxxxx gufatanya kwishyura na IBARUSHIMBABAZI Xxxxxx, kuko mu masezerano yabaye umwishingizi xxxxx xxxxx atarigeze xxxxx xxxxxxx ko ubwishyu bwabanza gushakwa mu mutungo w’uwo yishingiye. Ibi urukiko rurabishingira ku ngingo za 552, 560, 561, na 101CCLIII. Ingingo ya 552 CCLIII igira iti : “ Uwishingiye undi aba yiyemeje imbere

y’ugomba kwishyurwa kuzamwishyura mu gihe ugomba kwishyura ubwe azaba atabikoze”.

Ingingo ya 560 CCLIII igira iti : « Uwishingiye undi ashinzwe kwishyura ugomba kwishyurwa gusa iyo ugomba kwishyura atashoboye kubikora, ubwishyu bugomba kubanza gushakwa mu bintu by’xxxxxx xxxxxxxxx, keretse rero uwamwishingiye yariyemereye kuzahita yishyura bitabaye ngombwa ko ubwishyu bubanza gushakwa mu bintu by’ugomba kwishyura, cyangwa se na none akaba yariyemeje ubufatanye bw’umwenda n’ugomba kwishyura w’iremezo, icyo gihe inkurikizi z’ibyo yiyemeje zigenwa hakurikijwe amahame agenga imyenda ifatanijwe ». Ingingo ya 561 CCLIII igira iti : « Ugomba kwishyurwa ashobora guhatirwa kubanza gushaka ubwishyu mu bintu by’xxxxxx xxxxxxxxx x’xxxxxxx xxxx xxx uwishingiye undi abisabye ako kanya agitangira gukurikiranwa mu bucamanza ».

Ingingo ya 101 CCLIII igira iti :. « Ugomba inshingano ku buryo bw’ubufatanye, ashobora kwihitiramo kwishyuza umwe mu bayigomba xxxxx xxx ntashobora kumuhatira kuyimugabanya n’abandi ».

e) Irangizarubanza ry’agateganyo

[9] Kubera ko IBARUSHIMBABAZI Xxxxxx xxxxxxxx umwenda mw’iburanisha, uru rubanza rugomba kurangizwa by’agateganyo hashingiwe ku ngingo ya 110 y’Itegeko n° 18/2004 ryo ku wa 20/6/2004 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi.

III. ICYEMEZO CY’URUKIKO

[10] Rwemeye kwakira ikirego cya BPR LTD.

[11] Rukijije ko BPR LTD itsinze, ko IBARUSHIMBABAZI Xxxxxx na SINGURANAYO Xxxxxx xxxxxxxxx, xx XXXXXXXXXX Xxxxx atsinze BPR LTD.

[12] Rutegetse IBARUSHIMBABAZI Xxxxxx na SINGURANAYO Xxxxxx xxxxxxxxx kwishyura umwenda remezo ungana n’amafaranga y’u Rwanda miliyoni ebyili n’ibihumbi xxxxxx atandatu na mirongo itatu na bine xx xxxxxx abiri na mirongo itatu n’arindwi (2.634.237Frw), inyungu zingana n’ibihumbi ijana na mirongo itanu na kimwe n’ijana na mirongo ine na rimwe (151.141Frw), ibihano byo gukererwa bingana n’ibihumbi mirongo itanu xx xxxxxx atatu na mirongo inani (50.380Frw), bakanafatanya gutanga amafaranga y’ikurikiranarubanza n’igihembo cy’Avoka angana na 250.000Frw.

[13] Rutegetse IBARUSHIMBABAZI Xxxxxx na SINGURANAYO Xxxxxx xxxxxxxxx kwishyura umusogongero wa Leta wa 4% ungana na 10.000Frw.

[14] Rutegetse IBARUSHIMBABAZI Xxxxxx na SINGURANAYO Xxxxxx na BPR LTD gufatanya kwishyura amafaranga y’ibyakozwe mu rubanza angana na 5.600Frw.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME NONE KU WA 23/12/2011 N’URUKIKO RW’UBUCURUZI RWA NYARUGENGE, RUGIZWE N’UMUCAMANZA BWASISI MUGABO Germain, AFASHIJWE N’UMWANDITSI NKURUNZIZA

Védaste.

INTEKO

UMUCAMANZA UMWANDITSI

BWASISI X. Xxxxxxx XXXXXXXXXX Xxxxxxx