Contract

URUKIKO RW’UBUCURUZI RWA NYARUGENGE, RURI I KIGALI KU KICARO CYARWO, RUHABURANISHIRIZA IMANZA Z’UBUCURUZI MU RUHAME, RWACIYE URUBANZA X.Xxx 1476/15/TC/NYGE KU WA 29/01/2016 MU RWEGO RWA MBERE MU BURYO BUKURIKIRA

ABABURANA

UREGA: XXXXXXXX Xxxxxxx xxxxxxx mu 1960, mwene Kajuga Celevelien na Mukamurangira Emirance, utuye mu Mudugudu wa Centre Mulindi, Akagali ka Mukindi, Umurenge wa Kaniga, Akarere ka Gicumbi, Intara y’Amajyaruguru, yunganirwa na Maître HABAMENSHI Xxxxxxxx.

UREGWA: BANQUE POPULAIRE DU RWANDA (BPR) Ltd ifite ikicaro gikuru mu Murenge wa Nyarugenge, Akarere ka Nyarugenge, Umujyi wa Kigali, email: xxxx@xxx.xx, BP 1348 Kigali company code 100162830. Iburanirwa na Maître NTWALI Xxxxxx

IKIREGERWA:

° Gusaba Urukiko gutegeka Banque Populaire du Rwanda (BPR) guhindura amasezerano (kuyasesa) y’inguzanyo twagiranye nkongererwa igihe cyo kwishyura no kudafatira pension yanjye yose;

° Igihembo cy’avoka 500.000 frw;

° Amafaranga y‘ikurikirana urubanza 400.000 frw.

I. IMITERERE Y’URUBANZA

1. Xxxxxxxx Xxxxxxx avuga ko yahawe inguzanyo ya 6.000.000 frw na BPR Ltd yo kwishyura mu gihe cy’imyaka 8, ko iyo nguzanyo yari iyo kwishyura ku mushahara, ko akazi ke kaje guhagarara, asaba BPR Ltd kumwongera igihe cyo kwishyura hakurikijwe ubushobozi bwe, ahubwo bafata pensiyo ye yose ya buri kwezi, asaba ko BPR Ltd itegekwa kumwongerera igihe cyo kwishyura, ko pansiyo itafatirwa yose, asaba ko BPR Ltd imwishyura indishyi z’ikurikiranarubanza n’igihembo cy‘Avoka.

2. BPR Ltd ivuga ko bagiranye na Xxxxxxxx Xxxxxxx xxxxxxxxxxx y’inguzanyo, ntiyayubahiriza, ko gusesa amasezerano no kongererwa igihe cyo kwishyura nta shingiro byahabwa kuko iyo mpamvu asabira iseswa itateganyijwe mu masezerano yabaye itegeko kuri bo xxxxx xx yavanywe ku xxxx xxxxxx amakosa ye Banki itaryozwa, ko ifatira rya pansiyo ryatewe na système/logiciel xxxxx iyakata kuko arimo umwenda, atari ifatira, ko yahindura Banki niba bishoboka, ko ari nta makosa BPR Ltd yamukoreye yasabira indishyi, ahubwo kubera kuyishora mu manza, ariwe wayishyura indishyi z’ikurikiranarubanza n’igihembo cy‘Avoka.

3. Ibibazo byo gukemura muri uru rubanza ni ugusuzuma ibijyanye na:

− umwenda remezo n’inyungu byishyuzwa;

− igihe cyo kwishyura umweda uregerwa n’inyungu;

− indishyi z‘ikurikiranarubanza zisabwa.

II. ISESENGURA RY’IBIBAZO BYO MU RUBANZA

X. Xxxx‘iseswa n’ihindurwa ry’amasezerano y’inguzanyo Xxxxxxxx Xxxxxxx xxxxx

4. Xxxxxxxx Xxxxxxx avuga ko yahawe inguzanyo ya 6.000.000 frw na BPR Ltd yo kwishyura mu gihe cy’imyaka 8, ko iyo nguzanyo yari iyo kwishyura ku mushahara, ko akazi ke kaje guhagarara, ko asaba BPR Ltd kumwongera igihe cyo kwishyura hakurikijwe ubushobozi bwe, ntiyabyemera, asaba iseswa ry’amasezerano ya mbere n‘uko BPR Ltd itegekwa kumwongerera igihe cyo kwishyura.

5. BPR Ltd ivuga ko yagiranye na Xxxxxxxx Xxxxxxx xxxxxxxxxxx y’xxxxxxxxx, ntiyayubahiriza, ko ibyo asaba byo gusesa amasezerano no kongererwa igihe cyo kwishyura nta shingiro byahabwa kuko impamvu Xxxxxxxx Xxxxxxx xxxxxxx iseswa itemewe n’amategeko cyangwa itateganyijwe mu masezerano yabaye itegeko kuri bo, ko yaravanywe ku xxxx xxxxxx amakosa y’ubujura nkuko inyandiko imuvana kukazi ibivuga kandi ibyo Banki itabiryozwa itaragizemo uruhare mu gutakaza akazi kwe, ko ahubwo niba yararenganijwe n’umukoresha yazamukurikiranaho indishyi, ko ari nta mpamvu yo gusesa amasezerano kandi igihe gisabwa itacyemera.

6. Ku iseswa n’ihindurwa ry’amasezerano, Urukiko rushingiye ku ngingo ya 64 y’Itegeko N° 45/2011 ryo ku wa 25/11/2011 rigena amasezerano iteganya ko amasezerano akozwe kuburyo bwubahirije amategeko xxxxx itegeko abayagiranye, xxxxx xx agomba kubahirizwa nta buryarya, rusanga amasezerano BPR Ltd yaragurije Xxxxxxxx Xxxxxxx yarabaye itegeko kuri bo, agomba kubahirizwa uko yakabaye, iseswa ryayo rigomba kuba ku mpamvu yateganyijwe mu masezerano, cyangwa ku bwumvikane bwabo, urukiko rutategeka ababuranyi gusesa amasezerano yabo no gukorana andi kuko amasezerano ari igikorwa cy’ubushake bw’abayagirana, ibyo bumvikanye aribyo bibayobora.

7. Kubyo kuvanwa ku kazi kavagamo ubwishyu, Urukiko rusanga amasezerano y’ababuranyi atarateganyije ko mu gihe akazi k’uwagurijwe karangiye hazabaho iseswa ry’amasezerano cyangwa ihindurwa ryayo. Kuva ku kazi bitabuza uwahawe umwenda kwishyura. Kuba yarishyuraga ku mushahara, bitamubuza kwishyura hakoreshejwe indi soko y’ubwishyu iyo ariyo yose yemewe n‘amategeko. Kandi kuva kukazi kwa Xxxxxxxx Xxxxxxx BPR Ltd itarabigizemo uruhare ikaba atariyo yaryozwa ingaruka z’uku kuvanwa ku kazi kwe.

X. Xxxx’amafaranga ya pansiyo (pension) yishyurwa umwenda

8. Xxxxxxxx Xxxxxxx avuga ko BPR Ltd ifatira pansiyo/pension ye yose ya 92.670 frw, asaba ko yazajya ifatira 60.670 frw ku kwezi, agasigarana 30.000 frw. Ku bundi bushobozi afite, avuga ko hari amafaranga 30.000 frw yinjiza ava mu cyayi buri kwezi. BPR Ltd ivuga ko idafatira ayo mafaranga ya pansiyo/pension, ko ahubwo bikorwa na sytème ya logiciel kubera umwenda arimo Banki, ko ahubwo yahindura xxx ahemberwa niba bishoboka.

9. Kubya pansiyo, Uruiko rushingiye ku ngingo ya 260 agace ka 4 y’Itegeko n° 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko mu bidafatirwa kimwe cya gatatu (1/3) cya pansiyo y’umuntu utagira ikindi yiyambaza cyatuma abaho, rusanga ifatira nubwo ryakoreshwa logiciel ryaba ifatira kandi mu

busanzwe 1/3 cya pansiyo kitagombye gufatirwa k’udafite ikindi yiyambaza cyamufasha kubaho, nkuko iyi ngingo ibiteganya. Icyakora Xxxxxxxx Xxxxxxx xxxxx ko 30.000 frw yo kuri pansiyo azajya ayasigirwa nka 1/3 cya pansiyo kidafatirwa, ariko akemeza ko abona 30.000 frw buri kwezi avana mu ikahwa, ahwanye n‘icyo 1/3 cya pansiyo asaba kudafatirwa, bityo Xxxxxxxx Xxxxxxx afite ikindi yiyambaza gisimbura icyo 1/3 cya pansiyo, iryo fatira ntacyo ryaba rimutwaye kandi ritaba rinyuranyije n‘amategeko.

C. Kubyerekeranye n‘indishyi z’ikurikiranarubanza zisabwa n‘ababuranyi

10. Xxxxxxxx Xxxxxxx avuga ko BPR Ltd yamenyesheje BPR Ltd ko yatakaje akazi, ntiyabyumva, bimushora muri uru rubanza, asaba ko imwishyura indishyi z’ikurikiranarubanza za 400.000 frw n’igihembo cy‘Avoka za 500.000 frw, BPR Ltd yo ivuga ko Xxxxxxxx Xxxxxxx xxxxxxxxx ko imufasha ntiyamufasha, xxxxx xx itari ifite inshingano yo kumufasha, ko ari nta ruhare yagize mu by’akazi ke, ko indishyi asaba atazihabwa, ko ahubwo yayishyura 500.000 frw yo kuyishora mu manza.

11. Urukiko rushingiye ku ngingo ya 258 CCLIII igateganya ko ”igikorwa cyose cy'umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse", rusanga Xxxxxxxx Xxxxxxx xxxxxxxxx BPR Ltd mu rubanza rutari ngombwa, yaryozwa indishyi z’ikurikiranarubanza n’igihembo cy’avoka Banki yishyuye kuyiburanira kubera ayo makosa ye, nkuko zisabwa, haherewe kubiteganywa n’amabwiriza ku bihembo mbonera by’abavoka, imiterere n’imigendekere y‘urubanza, xxxxx Xxxxxxxx Xxxxxxx xxxxxxxxx indishyi za 500.000 frw y’inkurikiranarubanza n’igihembo cy’Avoka. Naho indishyi Xxxxxxxx Xxxxxxx xxxxx we atazihabwa kuko ariwe wasoje uru rubanza kandi atabasha kugaragaza amakosa zishingira BPR Ltd yamukoreye.

III. ICYEMEZO CY’URUKIKO

12. Urukiko rwemeje ko ikirego cya Xxxxxxxx Xxxxxxx xxxxxxxxx xxxxxxxxx.

13. Rwemeje ko iby’ihindurwa ry’amasezerano Xxxxxxxx Xxxxxxx xxxxx xxxxxxxx, ko ifatira rya pansiyo y’ufite ikindi yiyambaza cyamubeshaho ritanyuranyije n’amategeko, ko 1/3 cya pansiyo asaba ko kidafatirwa cyasimbuzwa amafaranga angana nacyo akura mu ikahwa.

14. Rwemeje ko Xxxxxxxx Xxxxxxx xxxxxxxx BPR Ltd indishyi z’ikurikiranarubanza n’igihembo cy’Avoka imusaba.

15. Rutegetse Xxxxxxxx Xxxxxxx xxxxxxxxx BPR Ltd 500.000 frw y’ikurikiranarubanza n’igihembo cy‘Avoka.

16. Rutegetse ko Xxxxxxxx Xxxxxxx xxxxxxxxxx 50.000 frw yatanzeho ingwate y’amagarama arega.

Ni uko rukijijwe kandi rusomewe mu ruhame, none ku wa 29/01/2016 n’Urukiko rw’Ubucuruzi rwa Nyarugenge ruri ku cyicaro cyarwo.

Inteko y’Urukiko

Sé Sé

MBERAKURORA TENGEKA Xxxxxxx XXXXXXXXXXXX Xxxxx Xxxxx

Umucamanza Umwanditsi