URUBANZA N°R.COM A 00135/2016/CHC/HCC Urupapuro rwa 1

URUBANZA N°X.XXX A 00135/2016/CHC/HCC Urupapuro rwa 1

XXXXXXX XXXXXX RW’UBUCURUZI RURI I KIGALI, RUHABURANISHIRIZA KU RWEGO RW’UBUJURIRE, RUCIYE URUBANZA N°X.XXX A 00135/2016/CHC/HCC KU WA 03/06/2016 MU BURYO BUKURIKIRA :

ABABURANYI

XXXXXXX Xxxxxx, utuye mu Mudugudu w’Uruhimbi, mu Kagali k’Amahoro, Umurenge wa Muhima, Akarere ka Nyarugenge, Umujyi wa Kigali, uburanirwa na Me ABASA Fazili WAJURIYE.

KENYA COMMERCIAL BANK RWANDA Ltd (KCB Ltd), ihagarariwe n’Umuyobozi Mukuru wayo uburanirwa na Me GATAMBIYE Xxxxxx XXXXXX.

IKIREGO

Kujuririra urubanza X.XXX 1692/15/TC/NYGE rwaciwe ku wa 29/01/2016 n’Urukiko rw’Ubucuruzi rwa Nyarugenge (Umwenda ungana na Frw 25.563.289; Inyungu z’ubukererwe za Frw 2.021.887 yabazwe kugera tariki ya 30/09/2015 zishobora kwiyongera kugeza urubanza rubaye ndakuka; Amafaranga y’ikurikiranarubanza n’igihembo cy’Avoka kingana na Frw 1.000.000; Amagarama angana na Frw 50.000.)

I. IMITERERE Y’URUBANZA.

[1] Mu kirego yatanze mu rwego rwa mbere irega SAGAMBA Justin, KCB RWANDA Ltd yasobanuye ko yahaye XXXXXXX Xxxxxx xxxxxxxxx ya Frw 37.000.000 kuri Frw 42.000.000 yari yasabye yo kugura inzu, bumvikana ko andi Frw 5.000.000 azayahabwa agaragaje inzu.

[2] Yavuze ko XXXXXXX Xxxxxx xxxxxxx inzu ahubwo yahisemo kubaka ariko inzu ntiyayuzuza, aza guhagarikwa ku kazi atarishyura umwenda yarahawe, maze inzu ye igurishwa mu cyamunara ariko umwenda wose ntiyishyurwa, bikaba byatumye KCB RWANDA Ltd kumuregera Urukiko ngo imwishyuze umwenda ungana na Frw 25.563.289 n’inyungu zawo n’izindi ndishyi.

[3] XXXXXXX Xxxxxx xxxxxxxx avuga ko Urukiko rugomba kumukuraho inyungu zabazwe kuri 17% zashyizweho na KCB RWANDA Ltd nyuma yo kumwirukana, rugategeka ko inyungu zibarwe ku gipimo cya 7% nk’uko bari bumvikanye akiri umukozi .

[4] Urukiko rw’Ubucuruzi rwa Nyarugenge rwaciye urubanza rwemeza ko KCB RWANDA Ltd itagomba guhindura ijanisha rya 7% ngo irishyire kuri 17% itabyunvikanye na XXXXXXX Xxxxxx xxxxx amasezerano bagiranye ndetse yateguwe na KCB RWANDA Ltd iryo xxxxxxx ritaravuzweho, bityo rero inyungu zabazwe nyuna ya cyamunara zikaba zivanyweho. Rwemeje ko XXXXXXX Xxxxxx xxxxxx xxxxxxxxx KCB RWANDA Ltd umwenda uhwanye na Frw 25.350.891 hakiyongeraho Frw 500.000 y’ikurikiranarubanza n’igihembo cy’Avoka. Rwemeje ko SAGAMBA Justin asubiza KCB RWANDA Ltd Frw 50.000 y’ingwate y’amagarama yatanze irega.

[5] XXXXXXX Xxxxxx xxxxxxxxxx urwo rubanza ku mpamvu ikurikira:

- Kuba Umucamanza wa mbere yaribeshye yemeza ko agomba kuvanirwaho inyungu yabariwe nyuma ya cyamunara yo ku wa 24/10/2014 zikakomeza kubarirwa kuri 7%, kandi mu by’ukuri zakagombye kuvanwaho zihereye tariki ya 09/05/2013 kuko aribwo KCB RWANDA Ltd yashyizeho ijanisha rya 17%.

[6] KCB RWANDA Ltd yiregura ivuga ko XXXXXXX Xxxxxx avuga ko Umucamanza yibeshye agena inyungu za 7% uhereye nyuma ya cyamunara kandi yaragombaga kubara izo nyungu ahereye tariki ya 09/05/2013, nyamara Umucamanza ntiyibeshye ahubwo yafashe icyemezo ashingiye ku kwiregura kw’ababuranyi ndetse ashingira k’umategeko n’ibimenyetso. Isobanura imyiregure yayo ivuga ko uwajuriye yemera umwenda yahawe ungana na Frw 37.000,000 ariko ntiyemera inyungu ziwuturukaho za 17%, yifuza kugabanirizwa izo nyungu agashyirwa kuri 7% kandi zibarwa abakozi ba KCB Rwanda Ltd bakiri mu kazi naho abakiriya basanzwe inyungu zibarwa kuri 17%, kandi urega atari umukozi wa KCB Rwanda Ltd ku buryo yagabanirizwa agashyirwa ku nyungu ya 7% yagenewe abakozi. Ivuga ko uwajuriye atigeze aregera y’uko atishimiye inyungu za 17% cyangwa ngo yange gusinya amasezerano yavuzwe haruguru abivuze aruko abona ikibazo cyafashe indi ntera agejejwe mu Nkiko, bivuga ko yemeraga ibikubiye mu masezerano y’inguzanyo yahawe. Ivuga ko uwajuriye yasinye amasezerano y’inguzanyo tariki ya 02/08/2011 ayasinyira imbere ya Notaire, muri ayo masezerano hari ingingo ivuga ko igihe nyirikugurizwa azaba atakiri umukozi wa KCB Rwanda Ltd inyungu zizakurwa kuri 7% zigashyirwa ku nyungu zihwanye nizabandi bakiriya basanzwe, akaba xxx xxx byagenze kuko XXXXXXX Xxxxxx xxxxxxx umukozi wa KCB Rwanda Ltd.

[8] KCB RWANDA Ltd yatanze ubujurire bwururiye ku bundi isaba Frw 5.000.000 y’indishyi z’akababaro zo gusiragizwa mu manza bitari ngombwa na Frw 1.000.000 y’igihembo cy’Avoka.

[9] Ibibazo bisuzumwa muri uru rubanza n’ibikurikira:

- Kumenya niba Umucamanza wa mbere yagombaga gutegeka ko inyungu zivanywaho kuva itariki ya 09/05/2013 kuko aribwo KCB RWANDA Ltd yashyizeho ijanisha rya 17% xxx gutegeka ko zivanywaho nyuma ya cyamunara.

- Kumenya niba KCB RWANDA Ltd igomba guhabwa indishyi z’akababaro za Frw 5.000.000 zo gusiragizwa mu manza bitari ngombwa no guhabwa Frw 1.000.000 y’igihembo cy’Avoka.

II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA

A- Kumenya niba Umucamanza wa mbere yagombaga gutegeka ko inyungu zivanywaho kuva itariki ya 09/05/2013 kuko aribwo KCB RWANDA Ltd yashyizeho ijanisha rya 17% xxx gutegeka ko zivanywaho nyuma ya cyamunara.

[10] XXXXXXX Xxxxxx xxxxxxxx ku mpamvu y’uko Umucamanza wa mbere yaribeshye yemeza ko agomba kuvanirwaho inyungu yabariwe nyuma ya cyamunara yo ku wa 24/10/2014 zikakomeza kubarirwa kuri 7%, kandi mu by’ukuri zakagombye kuvanwaho zihereye tariki ya 09/05/2013 kuko aribwo KCB RWANDA Ltd yashyizeho ijanisha rya 17%.

[11] KCB RWANDA Ltd yiregura ivuga ko XXXXXXX Xxxxxx avuga ko Umucamanza yibeshye agena inyungu za 7% uhereye nyuma ya cyamunara kandi yaragombaga kubara izo nyungu ahereye tariki ya 09/05/2013, nyamara Umucamanza ntiyibeshye ahubwo yafashe icyemezo ashingiye ku kwiregura kw’ababuranyi ndetse ashingira k’umategeko n’ibimenyetso. Isobanura imyiregure yayo ivuga ko uwajuriye yemera umwenda yahawe ungana na Frw 37.000,000 ariko ntiyemera inyungu ziwuturukaho za 17%, yifuza kugabanirizwa izo nyungu agashyirwa kuri 7% kandi zibarwa abakozi ba KCB Rwanda Ltd bakiri mu kazi naho abakiriya basanzwe inyungu zibarwa kuri 17%, kandi urega atari umukozi wa KCB Rwanda Ltd ku buryo yagabanirizwa agashyirwa ku nyungu ya 7% yagenewe abakozi. Ivuga ko uwajuriye atigeze aregera y’uko atishimiye inyungu za 17% cyangwa ngo yange gusinya amasezerano yavuzwe haruguru abivuze aruko abona ikibazo cyafashe indi ntera agejejwe mu Nkiko, bivuga ko yemeraga ibikubiye mu masezerano y’inguzanyo yahawe. Ivuga ko uwajuriye yasinye amasezerano y’inguzanyo tariki ya 02/08/2011 ayasinyira imbere ya Notaire, muri ayo masezerano hari ingingo ivuga ko igihe nyirikugurizwa azaba atakiri umukozi wa KCB Rwanda Ltd inyungu zizakurwa kuri 7% zigashyirwa ku nyungu zihwanye nizabandi bakiriya basanzwe, akaba xxx xxx byagenze kuko XXXXXXX Xxxxxx xxxxxxx umukozi wa KCB Rwanda Ltd.

*12+ Ku bijyanye n’icyo kibazo, Urukiko rusanze ko mu gika cya 5 cy’urubanza rujuririrwa ku rupapuro rwa 3, Umucamanza yavuze ko ingingo ya 4 y’inyandiko yo ku wa 02/08/2011 KCB RWANDA Ltd yandikiye SAGAMBA Justin imumenyesha ko yemerewe inguzanyo nawe akemera ibikubiyemo ku wa 03/08/2011 ifatwa nk’amasezerano impande zombi zagiranye igaragaza ko inyungu zari kubarirwa kuri 7% ku mwaka, bityo kuba KCB RWANDA Ltd yarazamuye inyungu ikazishyura kuri 17% XXXXXXX Xxxxxx xxxxx kwirukanwa muri iyo Banki, bikaba bitateganyijwe mu masezerano kuko ayo 17% atigeze agaragazwamo kandi ntaho iyo ngingo ivuga ko mu gihe

SAGAMBA Xxxxxx xxxxx atari umukozi ijanisha rizahinduka kuko nta bubasha KCB RWANDA Ltd yahawe bwo kugena xxxx xxxxxxx xxxxxxx xxxxx xxxxx xxxxx xxxxxxxxx ayo masezerano, rero xxxx xxxxx xxxxxxxx ayo masezerano ariko ikaba itagaragaza ahanditswe ijanisha rya 17%, ikaba yarashyize iryo xxxxxxx xxx 17% mu buryo budakurikije amategeko, akaba yaragombaga gukomeza kubarirwa kuri 7% ku mwaka hashingiwe ku biteganywa n’ingingo ya 71 y’Itegeko rigenga amasezerano (2011) ivuga ko mu guhitamo igisobanuro cyumvikana ku isezeranya, ku masezerano cyangwa imwe mu ngingo ziyagize, igisobanuro rusange kigenderwaho ni ikitagendera ku ruhande rwatanze amagambo yakoreshejwe cyangwa uruhande rwandikishije inyandiko.

[13] Rusanze nyamara ko nyuma yo gutanga ibyo bisobanuro avuga ko inyungu zagombaga gukomeza kubarirwa ku ijanisha rya 7%, Umucamanza wa mbere yafashe icyemezo gitandukanye n’ibisobanure yatanze kuko mu gika cya 10 na 11 by’urubanza rujurirwa ku rupapuro rwa 4, yemeje ko KCB RWANDA Ltd itagomba guhindura ijanisha rya 7% irishyira kuri 17% itabyumvikanye na SAGAMBA Xxxxxx xxxxx ko inyungu zivanyweho n’inyungu zabazwe nyuma ya cyamunara, maze yemeza ko umwenda ugomba kwishyurwa ungana na Frw 25.350.891.

[14] Rusanze rero ko nubwo Umucamanza wa mbere yemeje ko hagomba gukurwaho inyungu zabazwe nyuma ya cyamunara yabaye ku wa 24/10/2014 xxxxx xxxxxxxx yemeza ko umwenda wishyurwa ari Frw 25.350.891 nk’uko KCB RWANDA Ltd yaregeye kandi uwo mwenda ubazwe hakurikijwe ijanisha rya 17%.

[15] Rusanze ko ibyo Umucamanza wa mbere yasobanuye mu rubanza rujurirwa avuga ko ijanisha rya 17% ridateganyijwe mu masezerano, ataribyo kuko mu ngingo ya 14.4 y’inyandiko XXXXXXX Xxxxxx xxxxxxxxx na KCB RWANDA Ltd ku wa 02/08/2011 imumenyesha amabwiriza y’inguzanyo yahawe nawe yemeye mu nyandiko yanditse ku wa 03/08/2011, hateganyijwe ko mu gihe umukozi azaba atakiri umukozi wa KCB RWANDA Ltd ku mpamvu iyari yose, inyungu zizabarwa ku ijanisha ry’abakiliya basanzwe batari abakozi. Rusanze ko kubera ko XXXXXXX Xxxxxx xxxxxxx umukozi, byumvikana ko umwenda we ubarirwa ku ijanisha ry’abakiloya basanzwe xxxxx xxxx iryo xxxxxxx igeze kuri 17%, niryo ryakagombye gukoresha kabone niba iryo xxxxxxx ritanditse mu buryo butaziguye mu masezerano cyame cyane ko ntabwo Banki yari kwemeza ijanisha rukana kandi ntabwo yari izi ijanisha ryari kuba rikoreshwa igihe umukozi wagurijwe yari kuva mu kazi.

[16] Rusanze ariko ko kubera ko Umucamanza wa mbere yemeje ko inyungu zabazwe nyuma ya cyamunara zivanwaho kubera ko zibazwe kuri 17% ndetse ko bidakurikije amasezerano; icyo cyemezo kigomba kuguma uko cyafashwe kuko KCB RWANDA Ltd itakijuririye1 nubwo

1 Ingingo ya 7 y’Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi ivuga ko Umucamanza aca urubanza ku cyasabwe cyose xxxxx xxxx icyo cyonyine.

kinyuranyije n’ingingo ya 14.4 y’amasezerano ababuranyi bagiranye ayo masezerano ateganywa ko uwagurijwe utakiri umukozi abarirwa inyungu hakurikijwe ijanisha ry’abakiliya basanzwe.

[17] Rusanze kandi ibyo SAGAMBA Justin avuga ko Umucamanza yibeshye yemeza ko ijanisha rya 7% ikoreshwa ku nyungu zabazwe nyuma ya cyamunara gusa xxx kwemeza ko rikoreshwa kuva 09/05/2013 xxxxx xxxxx xxxxxxxxxxxx, ibyo bikaba nta gaciro byahabwa kubera ko Umucamanza wa mbere yemeje ibinyuranyije n’amategeko kuko amasezerano yateganyaga ko ijanisha rizahinduka mu gihe SAGAMBA Xxxxxx xxxxx atakiri umukozi. Rusanze xxxxx xx nubwo uwo Mucamanza yemeje ko ijanisha rya 7% ritagomba guhindurwa, yemeje na none ko umwenda ugomba kwishyurwa ari Frw 25.350.891 kandi wari warabazwe hakurikijwe ijanisha rya 17% uko byakagombye kuba kuko nibyo impande zombi zemeranyijwe mu gihe basinyaga bemera ingingo ya 14.4 y’amasezerano yabo ivuga ko mu gihe umukozi atakiri umukozi, ijanisha rya 7% rizavaho kubera ko ariryo rikoreshwa ku nguzanyo z’abakozi xx Xxxxx xxxx.

[18] Kubera izo mpamvu zasobanuwe, Urukiko rukaba rusanga ko Umucamanza wa mbere ataragombaga gutegeka ko inyungu zivanywaho kuva itariki ya 09/05/2013 kuko aribwo KCB RWANDA Ltd yashyizeho ijanisha rya 17% xxx gutegeka ko zivanywaho nyuma ya cyamunara kuko iryo xxxxxxx rya 17% niryo rikoreshwa mu bakiliya basanzwe kandi SAGAMBA Xxxxxx xxxxxx umukiliya usanzwe, ntabwo akiri umukozi wa KCB RWANDA Ltd kugira ngo umwenda we ubazwe ku gipimo cya 7% yaba mbere ya cyamunara cyangwa nyuma yayo.

[19] Rusanze ariko ko kubera ko Umucamanza wa mbere yemeje ko inyungu za nyuma ya cyamunara zivanweho kubera ko zibazwe ku gipimo cya 17% kandi KCB RWANDA Ltd ikaba itarabijuririye ahubwo ikaba yarasabye Urukiko mu myanzuro yayo ku rupapuro rwa 3 kuzemeza ko imikirize y’urubanza rwaciwe n’Urukiko rw’Ubucuruzi rwa Nyarugenge idahindutse.

B- Kumenya niba KCB RWANDA Ltd igomba guhabwa indishyi z’akababaro za Frw

5.000.000 zo gusiragizwa mu manza bitari ngombwa no guhabwa Frw 1.000.000 y’igihembo cy’Avoka.

*20+ Ku bijyanye n’indishyi z’akababaro KCB RWANDA Ltd xxxxx Xxxxxxx rusanze ko ziri mu bwoko bw’indishyi z’akababaro (dommages moraux). Rusanze ko amategeko y’U Rwanda ntacyo avuga ku bijyanye n’indishyi z’akababaro cyangwa mpozamarira zisabwa n’ibigo bifite ubuzima gatozi (personnes xxxxxxx).

[21+ Rusanze ariko ingingo ya 6 y’Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi (2012) yemera ko abacamanza bashingira ku byemezo by’inkiko n’ibyanditswe n’abahanga mu mategeko iyo nta mategeko y’U Rwanda ahari ajyanye n’ikiburanwa.2

2 Ingingo ya 6 y’Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi igira iti: “Abacamanza xxxx imanza bashingiye ku ngingo z’amategeko zirebana n’ikirego

[22] Rusanze ko Abahanga mu mategeko bakora muri Cabinet Chatel mu Bufaransa banditse bashingiye ku cyemezo cy’Urukiko Rusesa Imanza rw’Ubufaransa, icyumba kiburanisha imanza z’ubucuruzi (Arrêt du 15 Mai 2012 de la Cour de cassation, chambre commerciale, 15 mai 2012, pourvoi n° 11-10278) bavuga bati : « La conclusion est claire : les personnes xxxxxxx peuvent se prévaloir d’un préjudice moral. A quelles conditions toutefois ? La démonstration de l’existence du préjudice moral est facilitée lorsque l’identification de l’atteinte est aisée : le dénigrement ou la diffamation préjudicie à la réputation de l’entreprise, comme l’accusation de manquement à la probité ou à la politique sociale, éthique ou environnementale de l’entreprise porte atteinte à son image ou à sa notoriété. La difficulté réside en réalité dans l’évaluation de ce préjudice : il doit être quantifié et ne saurait se confondre avec le préjudice économique généré, par exemple, par une perte de clientèle. Il appartiendra ainsi à la victime de rapporter la preuve du « quantum » de son préjudice moral, c’est-à-dire de l’atteinte à un intérêt extra-patrimonial, comme la dégradation concrète de l’image sérieuse et dynamique qu’elle entretenait auparavant auprès de ses clients et/ou concurrents…»).

*23+ Rusanze ko hakurikijwe ibyanditswe n’abahanga mu mategeko bavuzwe haruguru, ibigo bifite ubuzima gatozi bishobora gusaba indishyi z’akababaro cyangwa indishyi mpozamarira iyo bagaragaje ko igisebo byatejwe cyabangamiye isura yabyo.

[24] Rusanze ariko ko KCB RWANDA Ltd itagaragaza ko kuba XXXXXXX Xxxxxx xxxxxxxxxxx umwenda we ku neza bituma imusiragiza mu nkiko bitari ngombwa, ibyo ariko bikaba ari icyaha cyo gusebanya mu ruhame3 ndetse ko icyo gisebo cyangije isura yayo, bityo rero ikaba itagomba guhabwa indishyi z’akababaro isaba.

*25+ Ku bijyanye n’igihembo cy’Avoka, Urukiko rusanze ko KCB RWANDA Ltd igomba kugihabwa kubera ko byagaragaye ko ubujurire bwa XXXXXXX Xxxxxx xxx xxxxxxxx xxxxxx, bivuga ko igomba kuryozwa amafaranga y’igihembo cy’Avoka KCB RWANDA Ltd yakoresheje mu rubanza rw’ubujurire. Rusanze ariko ko Frw 1.000.000 KCB RWANDA Ltd isaba ari ikirenga cyane cyane ko ari ayandi yagenewe mu rwego rwa mbere, bityo rukaba ruyigeneye mu bushishozi n’ubwitonzi bwarwo Frw 700.000 y’igihembo cy’Avoka.

baregewe cyangwa iyo nta tegeko rijyanye n’ikiburanwa, bagashingira ku mategeko basanga bashyiraho mu gihe baba bashinzwe kuyashyiraho, bifashishije ibyemezo byagiye bifatwa n’inkiko, umuco, amahame rusange agenga amategeko n’inyandiko z’abahanga mu mategeko.”

3 Ingingo ya 288 y’Itegeko Ngenga rishyiraho Igitabo cy’Amategeko xxxxx (2012) igira iti: “Umuntu wese, ku bw’inabi kandi mu ruhame, witirira undi igikorwa cyeruye gishobora gutesha uwo muntu icyubahiro cyangwa agaciro cyangwa gishobora kumusuzuguza mu ruhame, ahanishwa igifungo kuva ku mezi atandatu (6) kugeza ku mwaka umwe (1) n’ihazabu y’amafaranga y’u Rwanda kuva kuri miliyoni imwe (1.000.000) kugeza kuri miliyoni eshanu (5.000.000) cyangwa kimwe gusa muri ibyo bihano.”

III. ICYEMEZO CY’URUKIKO RUKURU RW’UBUCURUZI

[26] RWEMEYE kwakira ubujurire bwa XXXXXXX Xxxxxx, RWEMEJE ko nta xxxxxxxx xxxxxx.

[27] RWEMEYE kwakira ubujurire bwururiye ku bundi bwa KCB RWANDA Ltd, RWEMEJE ko bufite ishingiro.

[28] RWEMEJE ko nta gihindutse ku rubanza X.XXX 1692/15/TC/NYGE rwaciwe ku wa 29/02/2016 n’Urukiko rw’Ubucuruzi rwa Nyarugenge.

[29] RUTEGETSE XXXXXXX Xxxxxx xxxxxxxxx KCB RWANDA Ltd Frw 700.000 y’igihembo cy’Avoka mu bujurire.

[30] RUVUZE ko rutasomwe ku wa 24/05/2016 kubera ko Umucamanza yari atararangiza kurwandika kubera akazi xxxxxx xxxxxx.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME NONE KUWA 03/06/2016.

KANANGIRWA Epiphanie RWANYINDO X. Xxxxxx

Umwanditsi Umucamanza

Sé/ Sé/

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