Contract

URUKIKO RUKURU RW’UBUCURUZI RURI I KIGALI KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI MU RWEGO RW’UBUJURIRE, RWACIYE KU WA 14/10/2016 URU RUBANZA, MU BURYO BUKURIKIRA:

HABURANA:

UWAJURIYE:

- STRONG CONSTRUCTION, LTD, mu izina ry’umuyobozi wayo, Po. Box 1001 KIGALI, ibarizwa mu Xxxxxx xx KIYOVU, Umurenge wa NYRAUGENGE, Akarere ka NYARUGENGE, Umujyi wa KIGALI, iburanirwa na Me XXXXXXXXX Xxxxxxxxx.

UWAREZWE MU BUJURIRE:

- RADIANT INSURANCE COMPANY, LTD, mu izina ry’umuyobozi wayo, iburanirwa na Me KAZUNGU Xxxx Xxxxx.

IKIBURANWA:

- Kutubahiriza amasezerano y’ubwishingizi bw’inguzanyo (prime de protection de crédit) STRONG CONSTRUCTIONS, LTD yagiranye na RADIANT INSURANCE COMPANY, LTD.

Kujurira imikirize y’urubanza RCOM 00011/2016/TC/NYGE rwaciwe n’Urukiko rw’Ubucuruzi rwa NYARUGENGE, kuwa 05/05/2016.

IMITERERE Y’URUBANZA

[1] STRONG CONSTRUCTION, LTD yareze RADIANT INSURANCE COMPANY, LTD mu Rukiko rw’Ubucuruzi rwa NYARUGENGE, kuba uyu mwishingizi atubahirije inshingano ze mu masezerano y’ubwishingizi bw’inguzanyo bagiranye, ku nguzanyo STRONG CONSTRUCTION, LTD yahawe na BANK OF KIGALI, LTD.

[2] Urukiko rw’Ubucuruzi rwa Nyarugenge, rumaze kuburanisha urwo rubanza, rwemeje ko ikirego cya STRONG CONSTRUCTION, LTD kidafite ishingiro.

[3] STRONG CONSTRUCTION, LTD ntiyishimiye iyo mikirize, iyijuririra uru Rukiko ku mpamvu z’uko mu gufata icyo cyemezo, Urukiko rubanza rutasuzumye inshingano z’ibanze za RADIANT INSURANCE COMPANY, LTD nka “caution solidaire”; kuba rwemeje bidakwiye ko itagaragaje impamvu ikomeye yayibujije kwishyura, xxxxx xxxx ibimenyetso; kuba hakwiye kwibazwa niba mu kutayishyurira RADIANT INSURANCE

COMPANY, LTD yashingiye ku masezerano bagiranye cyangwa byari uburyarya; inaboneraho gusaba uru Rukiko kuyigenera indishyi z’igihombo zigomba gutangwa na RADIANT INSURANCE COMPANY, LTD.

[4] Ikigomba gufatwaho umwanzuro muri ubu bujurire, ni ugusuzuma muri rusange no kwemeza xxxx xxx RADIANT INSURANCE COMPANY, LTD itubahirije inshingano zayo z’amasezerano, no kumenya niba hakwiye indishyi muri uru rubanza n’uruhande rugomba kuzitanga n’izo arizo.

ISESENGURA RY’IBIBAZO BIRI MU RUBANZA

A) Kumenya niba xxxx xxx RADIANT INSURANCE COMPANY, LTD itubahirije inshingano zayo z’amasezerano.

[5] STRONG CONSTRUCTION, LTD isobanura muri rusange iyi mpamvu yayo y’ubujurire, ivuga ko Urukiko rubanza rwasesenguye nabi amasezerano y’ubwishingizi (contrat de cautionnement) yagiranye na RADIANT INSURANCE COMPANY, LTD, cyane cyane ingingo yayo ya 5, xxx rwemeje ko ibikorwa bya RADIANT bigarukira gusa ku nshingano z'umwishingizi, ariko ntirugaragaze izo nshingano, izo arizo. Ibi bikaba bigaragaza ko rwirengagije ibiteganijwe mu ngingo ya 1 y’ayo masezerano, iteganya ko abagiranye amasezerano bemeranyijwe ko RADIANT INSURANCE COMPANY, LTD ibaye “caution solidaire” (ingingo ya 560 CCLIII) hagati ya STRONG CONSTRUCTIONS Ltd na BANK OF KIGALI, LTD, ikaba yariyemeje ubwishingire bw’ingwate idashobora kuvanwaho (garantie irrevocable de payement) ku bwishyu bwa Rwf 272,000,000Frw.

[6] STRONG CONSTRUCTION, LTD yemeza ko ingaruka z’ibyemejwe muri ayo masezerano xxx xxx “caution solidaire” yishyura mu gihe “le débiteur principal” atabishiboye. Ikomeza ivuga ko RADAINT INSURANCE COMPANY, LTD itari ifite inshingano yo kuyishakira umwenda kuko yari yawishakiye, ahubwo ko yari ifite inshingano yo kuyishyurira igihe idashoboye kwishyura.

[7] STRONG CONSTRUCTION, LTD ivuga ko Urukiko rubanza rwasobanuye ingingo ya 5 y’amasezerano uko itari kuko yibutsaga uburenganzira bw’umwishingire ariwe RADIANT INSURANCE COMPANY, LTD uko buteganijwe n’ingingo za 567 na 568 z’Igitabo cya gatatu cy’Urwunge rw’amategeko y’imbonezamubano, bushingiye ku nkurikizi zo kurega ugomba kwishyura w’iremezo ariwe STRONG CONSTRUCTIONS, LTD, abizi cyangwa atabizi mu gihe yishyuriwe (droit de subrogation), ko bibanzirizwa na “désinteressement du créancier principal”. Bivuga ko RADIANT INSURANCE COMPANY, LTD ariyo yari ifite inshingano yo kuyishyurira.

[8] STRONG CONSTRUCTION, LTD inasobanura ko Urukiko rubanza na none rwemeje ko kuvuga ko RADIANT INSURANCE COMPANY, LTD itubahirije amasezerano, nta shingiro bifite kuko STRONG CONSTRUCTIONS, LTD itagaragaje impamvu ikomeye yatumye itishyura umwenda wa BANK OF KIGALI, LTD. Ikaba isanga ibi ubwabyo binyuranyije n'ayo masezerano yabaye itegeko ku bayagiranye, kuko bateganyije ko impamvu yari gutuma RADAINT INSURANCE COMPANY, LTD yishyura, aruko BANK OF KIGALI, LTD yari buyigaragarize mu nyandiko; ko nta yindi “condition” byasabaga. Inongera isobanura ko itashoboye kwishyura kuko nayo yari itarishyurwa nk’uko bigaragazwa na « Extraits de compte », n'ibaruwa yo kuwa 27/04/2015 yandikiye RADIANT INSURANCE COMPANY, LTD, mu gika cya 2 iyimeneyesha ko ibyo bibazo byose byatewe nuko isoko yarimo gukora, yabuze «financement», na «factures» yakoze zari zitarishyurwa kandi imirimo imwe yarangije gukorwa, indi yakozwe itarakorerwa «factures» kubera ibibazo bya TVA yari kwishyuzwa atarayibona.

[9] STRONG CONSTRUCTIONS, LTD inemeza xxxxx xx RADIANT INSURANCE COMPANY, LTD yamenye ko STRONG itashoboye kwishyura, kuko yabimenyeshejwe, nk’uko bigaragazwa n’ibaruwa yo kuwa 22/04/2015 yandikiye STRONG CONSTRUCTIONS, LTD, iyimenyesha ko kuva kuwa 13/03/2015 BANK OF KIGALI, LTD yayandikiye iyishyuza (Calling insurance guarantee); xxxxx xx kuwa 14/04/2015 BANK OF KIGALI, LTD yoherereje RADIANT INSURANCE COMPANY, LTD inyandiko yayisabye kuwa 13/04/2015, zirebana na

«situation bancaire» ya STRONG CONSTRUCTIONS, LTD. Hanyuma kuwa 27/04/2015, STRONG CONSTRUCTIONS, LTD yamenyesheje RADIANT INSURANCE COMPANY, LTD ko idashoboye kwishyura BANK OF KIGALI, LTD kubera ibibazo bya «Maitre d'Ouvrage».

[10] STRONG CONSTRUCTION, LTD isoza ibi bisobanuro byayo muri iyi mpamvu y’ubujurire, ivuga ko ikindi kigaragaza ko RADIANT yishe amasezerano n’uko yashakishije impamvu xxx zitari, binyuranyije n’amasezerano mu ngingo yayo ya 5 ahemejwe ko RADIANT igomba kwishyura ikibisabwa bwa mbere mu buryo bwanditse, binanyuranye n'ingingo ya 6 ya, igaragaza ko RADIANT nta rimwe igira inshingano zo kubaza cyangwa gusaba uruhushya STRONG CONSTRUCTION, LTD cyangwa uwaba yarabaye umwishingizi we mbere yo gusoza inshingano zayo imbere ya BANK OF KIGALI, LTD. Xxx kugirango RADIANT irangize izo nshingano zo kwishyurira STRONG, yagiye gushaka impamvu zidafite aho zihuriye n'amasezerano, aho kuwa 13/03/2015 yasabye BANK OF KIGALI, LTD kuyiha «situation ya compte » ya STRONG CONSTRUCTIONS, LTD bitari mu masezerano, nyuma yaho isaba ibisobanuro ku bwishyu bwa Rwf 354,681,513 ivugwa muri raporo ya «superviseur des travaux», inasaba « détails » kuri «factures» zishyuwe n’izitarishyuwe, n’izirimo gutegurwa.

[11] STRONG CONSTRUCTIONS, LTD yemeza ko ayo mafaranga, ntaho yari ahuriye na «découvert» ya Rwf 272,000,000Frw yagombaga kwishyurwa ku bwishyu bwa buri facture ikozwe binyuranye na

«avance de démarrage» y’imilimo; inasobanura uko amafaranga yose yishyuwe no ku xxxxx xxxxxx, xxxxx xxxxxxxxxxxxxx (ya RWANDA MILITARY HOSPITAL), bituma itagira n’ifaranga isigarana, bityo bikagararaza ko nta buriganya yagize. Ku rundi ruhande, na RADIANT INSURANCE COMPANY, LTD ikaba mu ibaruwa yayandikiye, kuwa 4/05/2015 yibutsaga inyungu izafata ni iramuka iyishyuriye, inyungu ziteganyijwe mu masezerano bagiranye; ibi bikaba nabyo byerekana ko RADIANT INSURANCE COMPANY, LTD, yemeraga ko igomba kwishyurira STRONG CONSTRUCTIONS, LTD, bikaba ari ikimenyetso cyo kwiyemerera inshingano, binagaragaza neza ko «Maitre d'ouvrage» ariwe wabuze «financement», ko bitaturutse kuri STRONG CONSTRUCTIONS, LTD.

[12] RADIANT INSURANCE COMPANY, LTD yiregura kuri iyi mpamvu y’ubujurire, ivuga ko nta shingiro ifite kuko icya mbere n’uko STRONG CONSTRUCTION, LTD yabonye inguzanyo bitewe na RADIANT INSURANCE COMPANY, LTD (kubera amasezerano y’ubwishingizi), bivuga ko RADIANT yujuje inshingano nyamukuru zayo; bityo kuba STRONG CONSTRUCTION, LTD itishyuye BANK OF KIGALI, LTD nk’uko yabisabwaga, ntinakore imirimo mu gihe gitegetswe, ntabwo ikwiye guhindukira ngo ivuge ko RADIANT ariyo yishe amasezerano mu gihe ari yo itarujuje inshingano zayo hakurikijwe uko ibintu byagenze, nk’uko biteganijwe mu ngingo ya 84 y’itegeko rigenga amasezerano.

[13] RADIANT INSURANCE COMPANY, LTD, ikomeza gusobanura ko ukutishyura BANK OF KIGALI, LTD byatewe n’uburangare bwa Banki kuko kuri konti ya STRONG CONSTRUCTION, LTD, hanyuze amafranga ahagije ntiyiyishyura, igira uburangare. Inasobanura ko nk’uko amasezerano yagiranye na STRONG CONSTRUCTION, LTD yabiteganije mu ngingo ya 5, yo yari « umwishingizi gusa », xxxxx xxxx’ideni ari yari STRONG: bisobanuye ko utegetswe kwishyura xxx XXXXXX CONSTRUCTION, LTD; ko rero nta burenganzira STRONG ifite bwo kwihisha inyuma y’amasezerano ngo yirengagize kwishyura umwenda yafashe, yizera ko umwishingizi azishyura kandi itarabuze ubwishyu, nk’uko biteganijwe mu mahame aba mu ngingo ya 560 z’Igitabo cya gatatu cy’Urwunge rw’amategeko y’imbonezamubano, ; bityo ko Urukiko rubanza rwarashubije uko bikwiye iki kibazo.

[14] RADIANT INSURANCE COMPANY, LTD isanga Urukiko rubanza rwasuzumye neza inshingano z’ibanze zayo nka « caution solidaire », kuko mu gika cya 10 cy'imikirize y’urubanza rwemeje ko STRONG CONSTRUCTION, LTD ariyo yagombaga kwishyura umwenda yari yafashe, runibutsa ko amasezerano y'ubwishingire ari amasezerano umuntu yiyemeza kwishyura umwenda mu gihe uwagombaga

kuwishyura atabishoboye, xxxxx xx umwishingizi aba ari ugomba inshingano ku buryo bwo kunganira ugomba inshingano bw’ibanze, bityo kwishyura umwenda bikaba bireba mbere na mbere xxxxx kuwuhabwa. Isanga urubanza rwajuririwe ruciye neza no kuri iyi ngingo.

[15] RADIANT INSURANCE COMPANY, LTD yemeza ko kuba BANK OF KIGALI, LTD yayishyuje (RADIANT) ubwabyo, ntabwo ari ikimenyetso cy'uko STRONG CONSTRUCTION, LTD yananiwe kwishyura cyangwa se yabuze ubushobozi. RADIANT ivuga ko STRONG CONSTRUCTION, LTD yiyemerera ko yishyuwe Rwf 354,681,513 naho indi raporo y’umukozi ikagaragaza ko yongeye kwishyurwa andi Rwf 51,484,678, xxxx xxxxx akaba Rwf 406,166,191; bityo ko uretse kuba RADIANT INSURANCE COMPANY, LTD yemera amasezerano yagiranye na STRONG CONSTRUCTION, LTD, hagomba kwibutswa ko STRONG ariyo yari ifite inshingano yo kwishyura mbere na mbere, na none, bikaba byagaragaye ko ubwishyu yarabubonye ariko ntiyishyure BANK OF KIGALI, LTD, hakaba hanakwibazwa niba kugeza ubu STRONG CONSTRUCTION, LTD itarishyurwa imilimo yakoze, yanasezeranweho.

[16] RADIANT INSURANCE COMPANT, LTD isoza iyi myiregurire yayo, ivuga ko Kuko STRONG CONSTRUCTION, LTD itishyuye ideni rya banki, banki yishyuza Radiant, maze yanga kwishyura ishingiye ku masezerano impande zombi zagiranye ivuga ko «Radiant izishyura xxxx xxx uko bigaragaye ko amafranga yaturutse k’ubwishyu bwaturutse ku isoko yishingiye butavuyemo amafranga ahagije kwishyura ideni rivugwa»; RADIANT INSURANCE COMPANY, LTD isanga kuba STRONG CONSTRUCTION, LTD yemera ko yishyuwe Rwf 354,681,513 naho indi raporo y’umukozi ikagaragaza ko yongeye kwishyurwa andi Rwf 51,484,678, xxxx xxxxx akaba Rwf 406,166,191; byerekana ko yari ifite ubwishyu, ikaba yaragombaga kurangiza inshingano zayo, xxx kwibwira ko ideni rigomba kwishyurwa n'umwishingire nk'xxx xxx we warifashe.

UKO URUKIKO RUBIBONA

[17] Rushingiye ku myiregurire y’ababuranyi bombi kuri iyi mpamvu y’ubujurire, rushingiye ku isesengura ry’ibisobanuro byabo birambuye; rusanga ipfundo ry’ikibazo bafitanye muri iyi mpamvu, ari ukumenya niba ibyo amasezerano bagiranye yateganyije, aruko RADIANT INSURANCE COMPANY, LTD yagombaga guhita yishyura BANK OF KIGALI, LTD mu bihe ibisabwe nayo, kandi nyamara STRONG CONSTRUCTION, LTD ishoboye kubikora, cyangwa mu gihe yananiwe kubikora ubwayo.

[18] Rushingiye ku masezerano aba baburanyi bagiranye, ariyo « contrat de cautionnement RD 0010CRI1403488 », cyane cyane mu ngingo zayo za 1, 5 na 6, xxxxx xx zigomba gusomwa hamwe uko zikurikirana; rusanga muri aya masezerano, impande zombi zumvikanye ko ayo masezerano akozwe mu ishyirwa mu bikorwa rya

« FINANCIAL GUARANTY », xxxxx xx RADIANT INSURANCE COMPANY,

LTD yishingiye STRONG CONSTRUCTION, LTD mu bufatanye bw’umwenda “caution solidaire”, ikaba itanze ubwishingizi budasubirwaho bwo kwishyura, «garantie irrevocable de paiement», kandi na none ko ibaye « avaliseur » wa STRONG CONSTRUCTION, LTD, ikaba, iyo isabwe kwishyura, itagisha inama cyangwa xxx xxxxx uruhushya STRONG CONSTRUCTION, LTD.

[19] Rusanga izi ngingo z’amasezerano zimaze gusobanurwa, zigengwa n’ingingo za 560 na 561 z’Igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano, zigena ko umwishingizi mu bufatanye bw’umwenda n’ugomba kwishyura w’iremezo, agomba kwishyurira uwo yishingiye “bitabaye ngombwa ko ubwishyu bubanza gushakwa mu bintu by’xxxxxx xxxxxxxxx” (560 ikaba ireba “caution solidaire” mu gihe 561 ireba “caution” isanzwe). Rusanga kandi ingingo za 567 na 568 z’iri Tegeko, zateganijwe muri aya masezerano, zikurikizwa nyuma y’uko uwishingiye undi, amaze kumwishyurira. Rusanga na none ijambo “AVAL” yakoreshejwe muri aya masezerano, uretse kuba itandukanye n’ijambo “caution”, ariko kandi ikomeza inshingano za RADIANT.

[20] Rushingiye kuba mu nyandiko ya RADIANT INSURANCE COMPANY, LTD, yakoreye BANK OF KIGALI, LTD yiyemeza ubwishingizi bw’umwenda (Acte de cautionnement), yemereye BANK OF KIGALI, LTD ko mu gihe cyasezeranwe, izahita yishyura amafaranga yemeranijweho, igihe cyose izabisabwa na BANK OF KIGALI, LTD, iyimenyesha ko uwishingiwe atabashije kwishyura.

[21] Rushingiye kuri ibi byose xxxxxx xxxxxx, no kuba ingingo ya 64 y’Itegeko nº 45/2011 ryo 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.” Xxxx xxxxx ingingo ya 9 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 “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.”

[22] Rusanga, kuba BANK OF KIGALI, LTD yandikiye RADIANT INSURANCE COMPANY, LTD, kuwa 13/04/2015 iyisaba kwishyurira STRONG CONSTRUCTION, LTD mu rwego rw’ubwo bwishingizi, na RADIANT INSURANCE COMPANY, LTD yandikira STRONG CONSTRUCTION, LTD, kuwa 22/04/2015; xxxxx xx, nubwo bitari ngombwa kubera imitere y’aya masezerano y’ubwishingizi, RADIANT INSURANCE COMPANY, LTD ikaba idafite ibimenyetso bifatika bigaragaza ko STRONG CONSTRUCTION, LTD yishyuwe kubw’umwenda wishingiwe, ariko ntiyishyura Bank umwenda wayo; birugaragarira neza ko ari RADIANT INSURANCE COMPANY, LTD itubahirije inshingano zayo, kuko kugeza ubu itarishyura BANK OF KIGALI, LTD, uko biteganijwe muri ayo masezerano. Rusanga rero iyi mpamvu y’ubujurire, ifite ishingiro.

B) Kumenya niba hakwiye indishyi muri uru rubanza n’uruhande rugomba kuzitanga n’izo arizo.

[23] STRONG CONSTRUCTION, LTD yanajuririye kuba amasezerano yabo, mu ngingo za 5 na 6 zateganyaga ko mu gihe idashoboye kwishyura, ari RADIANT INSURANCE COMPANY, LTD izishyura, ikibisabwa na BANK OF KIGALI, LTD, iyi ikaba itarabyubahirije; byayiteye igihombo cyo gufatirwa amafaranga yarashinzwe kurangiza inshingano zikomoka mu yandi masezerano atari aya BANK OF KIGALI, LTD n'umwenda wa RWANDA MILITARY HOSPITAL.

[24] STRONG CONSTRUCTION, LTD yemeza ko kuko RADIANT INSURANCE COMPANY, LTD itishyuye BANK OF KIGALI, LTD ikibona ubusabe bwayo, kuwa 13/04/2015, byatumye ikomeza kwishyura inyungu z'umwenda zitari ngombwa, hiyongereyeho n'inyungu z'ubukererwe bibaze ku buryo bukurikira (birareba igihombo cya nyuma yo kuwa 15/04/2015 nkuko bigaragazwa n'imibare ya BANK OF KIGALI, LTD, kuva kuwa 01/05/2015 Event No 604929 kugeza kuwa 01/06/2016, Event 677177), habarwa inyungu za Rwf 84,271,004, inyungu zibazwe kuva 1/5/2015 ubwo RADIANT nka «caution solidaire» yakabaye yarishyuriye, STRONG CONSTRUCTIONS LTD yamufasheho ubwishingizi ikanishyura primes za Rwf 12,844,300. Amafaranga y’ubwishyu yafatiriwe na BANK OF KIGALI, LTD kandi yakagombye kurangiza inshingano za STRONG CONSTRUCTIONS, LTD mu yandi masezerano, kuwa 19/05/2015 BANK OF KIGALI, LTD yafatiriye ubwishyu bwa Rwf 52,598,296 y'amasezerano ya «Mecanization RADA», kuwa 26/06/2015 BANK OF KIGALI, LTD ifatira ubwishyu bwa Rwf 30,505,081 arebana n’ayishyuwe na O.T. Yose hamwe xxxxx xxxxxx na Rwf 83,103,377. Byatumye STRONG CONSTRUCTIONS LTD xxxxxxxxx Xxxxxxx, itanga amagarama ya Rwf 50,500 hiyongereyeho na Rwf 75,500 yo mu rwego rw'ubujurire, iniyambaza abavoka bagomba kwishyurwa Rwf 3,500,000 buri wese.

[25] RADIANT INSURANCE COMPANY, LTD yiregura kuri iyi mpamvu y’ubujurire, ivuga ko indishyi zisabwa na STRONG CONSTRUCTION, LTD, nta shingiro yazo kuko nta kosa yayikoreye nk'uko yabisobanuye muri. Isanga ahubwo ariyo yakorewe ikosa na STRONG INSURANCE COMPANY, LTD, kuko mu byukuri STRONG yabonye umwenda wa Banki kubera RADIANT. Ko ukutishyura rero ari ubushake bwayo, ikaba yashatse gukora «fraude» xxx yanze kwishyura yizera ko RADIANT izishyura.

[26] RADIANT INSURANCE COMPANY, LTD yanaboneyeho gutanga ubujurire bwuririye ku bundi, ivuga ko STRONG CONSTRUCTION, LTD yayishoye mu manza nta mpamvu, ikaba isaba indishyi za Rwf 1,000,000 ziyongera kuzo yagenewe mu Rukiko rubanza, zose hamwe zikaba Rwf 2,000,000.

UKO URUKIKO RUBIBONA

[27] Rushingiye kuri iyi mpmavu y’ubujurire ya STRONG CONSTRUCTION, LTD no ku bujurire bwa RADIANT INSURANCE COMPANY, LTD, rushingiye kubyo rwabonye mu isesengura ry’impamvu ya mbere y’ubujurire, no ingingo ya 258 y’Igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano, igena ko “Igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse.” Rusanga kuba byagaragaye ko ari RADIANT INSURANCE COMPANY, LTD itubahirije inshingano zayo z’amasezerano, iyi mpamvu y’ubujurire ya STRONG CONSTRUCTION, LTD niyo ifite ishingiro, ubujurire bwa RADIANT INSURANCE COMPANY, LTD ikaba nta shingiro ifite.

[28] Rushingiye ku ngingo z’amategeko rwashingiyeho mu mpamvu ya mbere, no kuri iyi rumaze gushingiraho muri iyi mpamvu, rusanga bikwiye, kandi ari ubutabera kugenera STRONG CONSTRUCTION, LTD inyungu za Rwf 84,271,004 yavukijwe na RADIANT ISNURANCE COMPANY, LTD kubera uko kwishyura BANK OF KIGALI, LTD, hanyuma ize kwishyuza STRONG. Igomba na none kuyisubiza amafaranga yayo yafatiriwe na BANK OF KIGALI, LTD ya Rwf 52,598,296 + Rwf 30,505,081 = Rwf 83,103,377, hamwe n’amafaranga y’amagarama yo ku nzego zombi, Rwf 50,500 + Rwf 75,500 = Rwf 126,000 n’igihembo cya Avocats cya Rwf 3,000,000.

ICYEMEZO CY’URUKIKO:

[29] Xxxxxxx Xxxxxx rw’Ubucuruzi:

- Rwemeye kwakira ubujurire bwatanzwe na STRONG CONSTRUCTION, LTD, kuko bwatanzwe mu buryo bwubahirije amategeko, rubusuzumye, rusanga bufite ishingiro.

- Rwemeje ko ari RADIANT INSURANCE COMPANY, LTD itubahirije inshingano zayo mu masezerano yagiranye na STRONG CONSTRUCTION, LTD.

- Rwemeje ko imikirize y’urubanza rwajuririwe, RCOM 00011/2016/TC/NYGE rwaciwe n’Urukiko rw’Ubucuruzi rwa NYARUGENGE, kuwa 05/05/2016, ihindutse mu ngingo zayo zose.

- Rutegetse RADIANT INSURANCE COMPANY, LTD gusubiza STRONG CONSTRUCTION, LTD amafaranga yayo Banki yafatiriye angana na Rwf 83,103,377 ; inyungu yaciwe zingana na Rwf 84,271,004 ; amagarama yishyuye itanga ikirego ku rwego rwa mbere no mu bujurire, ahwanye na Rwf 126,000 n’amafaranga y’ikurikiranarubanza n’igihembo cya Avoka ko nzego zombi, ahwanye na Rwf 3,000,000 ; xxxx xxxxx akaba Rwf 170,500,381.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME MU RUKIKO RUKURU RW’UBUCURUZI, NONE KU WA 07/07/2016 XXXXXXX N’UMUCAMANZA KIBUKA M. Xxxx-Xxx XXXXXXXXX N’UMWANDITSI

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