Contract

URUKIKO RUKURU RW’UBUCURUZI RURI I KIGALI KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI MU RWEGO RW’UBUJUIRIRE RWACIYE KU WA 05/01/2017 URU RUBANZA MU BURYO BUKURIKIRA:

HABURANA :

UWAJURIYE : BISIGARA Xxxxxx, mwene Rutabingwa Zacharie na Komupira Jesca, utuye mu Mudugudu w’ Ihuriro, Akagari ka Nyanza, Umurenge wa Gatenga, Akarere ka Kicukiro, Umujyi wa Kigali, TEL x000000000000, e-mail xxxxxxxxx@xxxxx.xxx

UREGWA : COGEBANQUE Ltd, iburanirwa na Me XXXXXXXX Xxxxx, Tel.

x000000000000, e-mail xxxxxxx@xxxxx.xx

ICYAREGEWE : Kujuririra urubanza RCOM 00355/2016/TC/NYGE RWACIWE KU WA 15/09/2016

IMITERERE Y’URUBANZA

[1] Ku itariki ya 29/9/2011, COGEBANQUE Ltd yagiranye amasezerano y'umwenda na BISIGARA Xxxxxx. uwo mwenda ukaba waranganaga na 2.790.000 Frw. BISIGARA Xxxxxx xxxxx yaragombaga kwishyura uwo mwenda mu gihe kitarenze amezi 48, akaba yari yiyemeje kandi kuzajya yishyura 81.956 Frw buri kwezi. Nk'uko bigaragazwa n’inyandiko ya mise en demeure ndetse n’iya termination of loan agreement, COGEBANQUE Ltd yagiye yandikira BISIGARA Xxxxxx imusaba kubahiriza amasezerano yo kwishyura umwenda ayibereyemo kugeza ubwo yatanze ikirego igamije gusaba urukio guhatira BISIGARA kuyishyura umwenda ayibereyemo. Urukiko rukaba rwaraciye urubanza kuwa 15/9/2016 maze rutegeka BISIGARA Xxxxxx wari waburanishijwe adahari kwishyura COGEBANQUE Ltd umwenda ungana na 7.488.014 FRW hakubiyemo umwenda n’inyungu, kwishyura indishyi z’igihembo cy’avoka kingana na 500.000 FRW no kwishyura 50.000 FRW y’igarama, yose hamwe akaba

8.038.014 Frw.

[2] BISIGARA Xxxxxx xxxxxxxxxxxx iyi mikirize y’urubanza rwaburanishijwe adahari ararujuririra. Ikirego cye RCOM A 00555/2016/CHC/HCC kikaba cyaraburanishijwe mu mizi kandi iburanisha risozwa kuwa 12/12/2016, BISIGARA Xxxxxx yiburanira naho COGEBANQUE Ltd iburanirwa na Me XXXXXXXX Xxxxx. Urukiko rukaba rwaramenyesheje ababuranyi ko urubanza ruzasomwa kuwa 05/01/2017, ari nawo munsi rusomeweho.

[3] Mu bujurire uru Rukiko rwasuzumye ikibazo cyo kumenya niba ingano y’umwenda urukiko rubanza rwemeje ifite ishingiro, ikibazo cyo kumenya niba BISIGARA Xxxxxx akwiye guhabwa n’urukiko igihe cyo kwishyura umwenda rwemeje n’ikibazo cy’indishyi zisabwa na buri muburanyi zirebana n’ibyagenze ku rubanza.

ISUZUMA RY’IBIBAZO BIGIZE URUBANZA N’UKO URUKIKO RUBIBONA

Ikibazo cyo kumenya niba ingano y’umwenda urukiko rubanza rwemeje ifite ishingiro

[4] Mu bujurire bwe, BISIGARA Xxxxxx xxxxxx xxxx xxx ku rwego rwa mbere umucamanza yaremeje umwenda hashingiwe gusa ku cyifuzo cy'uwaregaga hatagaragajwe uburyo wabazwe. Aha Bisigara agasobanura ko yagiranye na COGEBANQUE Ltd amasezerano y’inguzanyo ingana na 2.790.000 Frw nyuma yaho hakabaho ku buryo ngo bitari bikwiye ko icyifuzo cy'urega gihura neza n'icyemezo cyafashwe kuko ngo nta kigaragaza uburyo inguzanyo yavuye kuri 2.790.000 Frw ikagera kuri 7.488.014 Frw kandi harabayeho ubwishyu butandukanye

[5] Mu kwiregura kuri iyi mpamvu y’ubujurire, COGEBANQUE Ltd isaba ko itahabwa ishingiro, igasobanura ko BISIGARA Xxxxxx xxxxxx yibutswa kenshi ko agomba kwishyura umwenda abereyemo Banki ariko ntagire icyo akora, akaba yarahawe integuza ku wa 19/7/2012 ndetse no ku wa 23/10/2012 akicecekera kugeza ubwo COGEBANQUE Ltd ifata icyemezo cyo gusesa amasezerano y'inguzanyo ku wa 9/7/2016 kandi icyo gihe BISIGARA akaba yaramenyeshejwe ko umwenda we wari ugeze kuri 5.203.157 Frw xxxxx xx inyungu z'ubukererwe zizakomeza kubarirwa kuri 22% kugeza arangije kwishyura.

[6] COGEBANQUE Ltd ikomeza isobanura ko mu gutanga ikirego cyayo yaragaragaje ishingiro ry'indishyi isaba ndetse ibitangira n'ibimenyetso bitigize bivuguruzwa na BISIGARA Xxxxxx mu iburanisha xx'xxxxxxxx, gusa ikongeraho ko icyo yemera xxx xxx umucamanza yibeshye akandika ko COGEBANQUE Ltd iregera umwenda ungana na

7.488.014 Frw xxx xxxx 5.488.014 Frw xxx xx'uko bikubiye mu kirego cyayo ndetse no mu bimenyetso COGEBANQUE Ltd yashyikirije urukiko ku rwego rwa mbere. Bityo uburanira COGEBANQUE Ltd agasoza asaba ko ibyo byakosorwa kuri uru rwego rw’ubujurire, BISIGARA agategekwa kwishyura umwenda n’inyungu zibazwe kugera kuwa 16/11/2016 bingana na 5.814.422 FRW nk’uko bigaragazwa n’ikimenyetso cy’imbonerahamwe igaragaza uko umwenda wagiye wiyongera kugera kuri iyo tariki.

[7] Rushingiye ku bisobanuro by’impande zombi kuri iyi ngingo y’ubujurire ijyanye n’ingano y’umwenda n’inyungu zawo, uru Rukiko rurasanga n’ubwo mu mutwe wiswe “xxxxxxx/ikiburanwa” w’inyandiko ya COGEBANQUE Ltd itangiza iki kirego ku rwego rwa mbere haranditswe ko yishyuza BISIGARA umwenda ungana na 7.488.014 FRW hiyongereyeho inyungu zawo kugeza igihe urubanza rubaye ndakuka, mu bisobanuro birambuye muri iyo nyandiko inagaragaza ariko ko ayo mafaranga 7.488.014 FRW agizwe na 5.488.014 FRW y’umwenda nyir’izina waregerwaga nk’uko wari wabazwe kugeza muri Nzeri 2015 hamwe na 2.000.000 FRW y’indishyi z’ikurikiranarubanza n’igihembo cya avoka nazo zasabwaga na COGEBANQUE. Kuba rero mu guca urubanza, urukiko rubanza rwarafashe 7.488.014 FRW rukongeraho izindi ndishyi zo gukurikirana urubanza no guhemba avoka xxxxx xxxx zamaze gusabirwa hamwe n’umwenda, uru Rukiko rukaba rubona kimwe na COGEBANQUE Ltd ko ari nta kindi cyabisobanura kitari ukwibeshya k’umucamanza wa mbere, uku kwibeshya kukaba gushobora kuba kwaraturutse ku kuba ku rwego rwego rwa mbere uregwa atari yitabye ngo nawe agire uruhare rwe mu kugaragaza ingano y’umwenda asigayemo, xxxxx xxx kwibeshya kukaba kwarashoboraga gukosorwa binyujijwe mu nzira y’ikirego kidatangirwa igarama cyo gukosoza urubanza bitiriwe biba ngombwa ko BISIGARA atanga iki kirego cy’ubujurire. Uru Rukiko rukaba rero rusanga urukiko rubanza rwaragombaga kwemeza ingano y’umwenda n’inyungu zibazwe kugera muri Nzeri 2015 byari byaregewe bingana na 5.488.014 FRW, ariko kuko ibimenyetso byatanzwe na COGEBANQUE Ltd bigaragagaza ko uwo umwenda wakomeje kwiyongera ukagera kuri

5.814.422 FRW kugeza m’Ugushyingo 2016, uru Rukiko rukaba rusanga umwenda

BISIGARA agomba gutegekwa kwishyura COGEBANQUE ari 5.814.422 FRW.

Ikibazo cyo kumenya niba BISIGARA Xxxxxx akwiye guhabwa n’urukiko igihe cyo kwishyura umwenda rwemeje

[8] Mu bujurire bwe BISIGARA Xxxxxx avuga ko urukiko rubanza rutasuzumye impamvu zatumye umwenda wa 2.790.000 Frw utishyurirwa igihe nyamara ngo n’impamvu zitaturutse xxxx Xxxxxx Xxxxxxxx yo xxxx xxx yarahuye n’ ikibazo cyo guhagarikwa ku xxxx xxxxx ariho ubwishyu bwari guturuka ku mushahara, akaba xxxxxx xxx yari akwiye kongererwa igihe cyo kwishyura hashingiwe ku biteganywa n’ingingo ya 142CCLIII (igika cya 2).

[9] Ingingo ya 142CCLIII (igika cya 2) iteganya ko abacamanza bashingiye k’ubushobozi buke bw’uwishyuzwa no k’ububasha bemererwa, bashobora kongerera uwishyuzwa igihe kiringaniye cyo kwishyura. Uru Rukiko rurasanga ariko ibisabwa na BISIGARA nta shingiro bikwiye guhabwa kubera ko uretse no kuba atarigeze yitaba ngo ku rwego rwa mbere agaragarize urukiko izi mpamvu avugira bwa mbere mu bujurire ngo zatumye atishyura, n’iyo ajya kuba yaritabye akazivuga nta shingiro uru Rukiko rusanga zagombaga guhabwa kuko ubushake buke bwo kwishyura bwa BISIGARA bugaragazwa n’amabaruwa atandukanye yandikiwe kenshi na COGEBANQUE Ltd imwishyuza ariko

we ntagaragaze ibaruwa n’imwe yaba yaranditse ayasubiza ngo agaragaze nibura igihe yifuzaga kwishyuramo n’xxx yateganyaga kuvana ubwishyu.

Ikibazo cy’indishyi z’ibyagenze ku rubanza zisabwa na buri muburanyi

[10] Mu rubanza rwajuririwe, urukiko rubanza rwategetse BISIGARA guha COGEBANQUE indishyi z’igihembo cy’avoka zingana na 500.000 FRW ndetse na 50.000 FRW y’igarama ry’urubanza. Muri ubu bujurire, COGEBANQUE ikaba ivuga ko yanyuzwe n’izo ndishyi zo ku rwego rwa mbere ariko ko kuri uru rwego rw’ubujurire BISIGARA akwiye gutegekwa kuyishyura andi mafaranga 500.000 FRW y’ikurikiranarubanza n’igihembo cy’avoka kubera kuyishora mu rundi rubanza rw’ubujurire budafite ishingiro. Xxxxxx Xxxxxxxx nawe arasaba ko COGEBANQUE Ltd imuha indishyi z’igihembo cy’avoka zingana na 500.000 FRW ikanamusubiza amafaranga y'igarama ry’ubujurire

75.000 Frw.

[11] Nk’uko byasobanuwe haruguru, n’ubwo imibare y’ingano y’umwenda yemejwe n’urukiko rwa mbere yahinduwe ikamanurwa muri uru rubanza rw’ubujurire, uru Rukiko rurasanga ibyo bitatewe n’uko ibisobanuro by’impamvu z’ubujurire bwa BISIGARA byahawe ishingiro, ko ahubwo byatewe n’ibisobanuro bya COGEBANQUE byari bigamije gukosora amakosa y’imibarire yagaragaye mu rubanza rwajuririwe ; gukosoza urubanza bikaba byarashoboraga gukorwa ntacyo ababuranyi babitanzeho nk’ingwate y’igarama, ibihembo by’avoka no gukurikirana urubanza. Ariko kuba BISIGARA atarafashe iyo nzira idahenze yo gukosoza imibare iri mu rubanza ahubwo agasaba inzira y’ubujurire xxxxx xxxxxxxxxx avoka no gukurikirana urubanza bikaba ari byo bituma akwiye xxxx xxx we uryozwa indishyi z’igihombo COGEBANQUE Ltd yabikuyemo hashingiwe ku ngingo ya 258 CCL III itegenya ko uwateje undi igihombo ari we ukimuhera indishyi. Uru Rukiko rukaba rusanga rero indishyi z’ikurikirarubanza n’igihembo cy’avoka za 500.000 FRW COGEBANQUE Ltd yasabye izikwiye, zikaza ziyongera ku zindi nk’izo yagenewe n’urukiko ku rwego rwa mbere.

ICYEMEZO CY’URUKIKO

Kubera izo mpamvu xxxx xxxxx bikorewe mu ruhame, Urukiko Rukuru rw’Ubucuruzi:

[12] Rwemeje kwakira ubujurire bwa BISIGARA Xxxxxx xxxxx ko nta xxxxxxxx xxxxxx;

[13] Rutegetse ko mu cyemezo cy’urukiko mu rubanza RCOM 00355/2016/TC/NYGE rwaciwe kuwa 15/09/2016 hakosorwa maze xxx urukiko rwaruciye rwari rwemeje ko umwenda BISIGARA Xxxxxx agomba kwishyura COGEBANQUE Ltd ari 7.488.014 FRW bigahinduka bikaba 5.488.014 FRW ;

[14] Rutegetse BISIGARA Xxxxxx kwishyura COGEBANQUE Ltd umwenda n’inyungu zibazwe kugeza m’Ugushyingo 2016 bingana na 5.814.422 FRW n’indishyi z’ikurikiranarubanza n’igihembo cy’avoka kuri uru rwego rw’ubujurire zingana na

500.000 FRW ziyongera ku ndishyi z’igihembo cy’avoka za 500.000 FRW n’igarama ry’urubanza rya 50.000 FRW zategetswe n’urukiko mu rubanza rwajuririwe ;

[15] Rutegetse ko ku bitakosowe muri ubu bujurire, urubanza rwajuririwe rugumaho ;

[16] Rutegetse ko BISIGARA Xxxxxx xxxxxxxxxx ingwate y’igarama yatanze ajurira.

RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME NONE KUWA 05/01/2017 N’URUKIKO RUKURU RW’UBUCURUZI, RUGIZWE NA XXXXXX Xxxxxxxx (XXXXXXXXXX) AFASHIJWE NA MUKABARANGA Xxxxxx (UMWANDITSI X’XXXXXXX)

XXXXXX Xxxxxxxx MUKABARANGA Xxxxxx

Umucamanza Umwanditsi w’Urukiko

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