Contract

URUKIKO RW’UBUCURUZI RWA NYARUGENGE, RURI I KIGALI RUHAKIRIJE URUBANZA Rcom 0611/011/TC/Nyge MU RWEGO RW’IBURANISHA RY’IBANZE NONE KU WA 30/12/2011.

HABURANA:

UREGA : BANKI Y’ABATURAGE Y’U RWANDA LTD (BPR LTD)

UREGWA : MUHIZI RUGAMBA, ubarizwa mu Mudugudu wa GASAVE, Akagari ka MUSEZERO, Umurenge wa GISOZI, Akarere ka GASABO, Umujyi wa KIGALI.

IKIREGERWA:

-Recouvrement d’une créance de 4.367.620Frw principal et intérêts, arrêtés provisoirement au 12/09/2011 ;

-Intérêts aux taux conventionnels ;

-Frais de procédure et de recouvrement.

I. IMITERERE Y’URUBANZA

[1] Banki y’abaturage ya KORA yagurije MUHIZI RUGAMBA 6.000.000Frw yagombaga kurangiza kwishyura ku wa 10/02/2011. BPR LTD ivuga ko atubahirije amasezerano yo kwishyura. MUHIZI yemera ko atararangiza kwishyura umwenda, asobanura impamvu zatumye atishyurira igihe, akanasaba ikindi gihe cyo kwishyura.

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

-Iyubahiriza ry’amasezerano ;

-Igihe cyo kwishyura gisabwa na MUHIZI RUGAMBA.

-Amafaranga yishyuzwa na BPR LTD ;

II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA

a) Iyubahiriza ry’amasezerano

[3] MUHIZI RUGAMBA yari kurangiza kwishyura ku wa 10/02/2011, ariko n’ubu ntarangiza, kandi arabyemera. Ibi bikaba bigaragaza ko atubahirije amasezerano y’iguriza.

b) Igihe cyo kwishyura gisabwa na MUHIZI RUGAMBA

[4] MUHIZI RUGAMBA avuga ko atabashije kwishyura umwenda kubera ko yagiye gukorera hanze y’u Rwanda. Iyi ariko ikaba atari impamvu yumvikana yasobanura ko yishe amasezerano bitamuturutseho, kuko nk’uko yabibwiye urukiko hari amafaranga yohereje xxx xxxxx xxx yakoraga, ibi bikaba bigaragaza ko byashobokaga kohereza amafaranga yari yariyemeje kwishyura buri kwezi, cyane ko yari ku kazi ahemberwa, kandi azi neza ko umushahara ahembwa udaca kuri konti ye yo muri banki y’abaturage yamuhaye umwenda. Indi mpamvu xxxxxx xxx ni uko kuva mu Xxxxxxxxx 2009 yabonye ishyuri hanze. Iyi mpamvu nayo ikaba itasobanura ko yagombaga kwica amasezerano, kuko mu gihe yari agiye mu bindi bimufitiye akamaro, yagombaga gushaka ubundi buryo yishyura umwenda yahawe.

[5] Mu bushishozi bw’urukiko, MUHIZI RUGAMBA ntiyabona ikindi gihe cyo kwishyura kuko bigaragara ko yishe nkana amasezerano yagiranye na banki.

c) Amafaranga yishyuzwa na BPR LTD

[6] MUHIZI avuga ko hari amafaranga 600.000Frw yishyuye mu mwaka wa 2009, ayacishije ku mukozi wa banki xxxxx XXXXXXXXXX Xxxxxxxx xxx xxxxxxxxxxxxxx xxxx we atari mu Rwanda, ariko akaba atagaragara kuri « historique » ya konti ye. Yabajijwe ibimenyetso bigaragazwa ko ayo mafaranga yishyuwe, asubiza ko ntabyo afite.

[7] « Historique » ya konti ya MUHIZI XXXXXXX xxxxxxxxx ko kuva yahabwa umwenda yishyuye amafaranga yose hamwe 2.847.376Frw, akubiyemo 1.632.380Frw y’umwenda remezo, 1.140.925Frw y’inyungu, na 74.071Frw y’ibihano byo gukererwa. Amasezerano y’iguriza ateganya ko MUHIZI RUGAMBA azishyura inyungu zibariwe kuri 14% ku mwaka, ko kandi azishyura umwenda mu mezi 48 (ingingo ya 3 n’iya 4). Ibi bivuga ko inyungu yagomba kwishyura mu mezi 48 cyangwa imyaka 4 ari 6.000.000 x 14% x 48/12 = 3.360.000Frw.

[8] Xxxxxxx xxxxxx XXXXXX asigayemo ni umwenda yahawe gukuramo uwo yishyuye ugaragazwa na « historiqe », ni ukuvuga 6.000.000 – 1.632.380 = 4.367.620Frw, ukongera ugakurwamo 50.000Frw MUHIZI yishyuye ku wa 02/12/2011 nk’uko « bordereau » ibigaragaza, ni kuvuga 4.367.620 – 50.000 = 4.317.620Frw. Inyungu zisanzwe asigayemo ni inyungu yagombaga kwishyura mu mezi 48 avugwa mu masezerano gukuramo izo yishyuye, ni ukuvuga 3.360.000 – 1.140.925 = 2.219.075Frw. Ibihano nabyo bigomba kubarwa guhera umunsi wa nyuma wo kwishyura kugera ku munsi w’icibwa ry’urubanza (iminsi 323), kuko aribwo MUHIZI yari atangiye gukererwa kwishyura, bikabarirwa ku mwenda remerezo yari asigayemo ku itariki ya nyuma yo kwishyura iteganyijwe mu masezerano. Ibihano byo gukererwa MUHIZI agomba guha BPR LTD ni 4.367.620Frw x 4% x 323/360 = 156.749Frw. Aya mafaranga agomba gukurwamo ibihano yishyuye bingana na 74.071Frw, hagasigara ibihano bingana na 82.678Frw.

[9] Hashingiwe ku ngingo ya 258 CCLIII, MUHIZI RUGAMBA agomba guha BPR LTD indishyi z’ikurikiranarubanza, zingana na 300.000Frw, zigenwe mu bushishozi bw’urukiko.

III. ICYEMEZO CY’URUKIKO

[10] Rwemeye kwakira ikirego cya BPR LTD.

[11] Rukijije ko BPR LTD itsinze, ko MUHIZI RUGAMBA atsinzwe.

[12] Rutegetse MUHIZI RUGAMBA kwishyura BPR LTD amafaranga y’u Rwanda akurikira : Umwenda remezo ungana na miliyoni imwe n’ibihumbi xxxxxx atatu na cumi na birindwi xx xxxxxx atandatu na makumyabiri (4.317.620Frw), inyungu zisanzwe zingana na miliyoni ebyiri n’ibihumbi xxxxxx xxxxx na cumi n’icyenda na mirongo irindwi n’xxxxx (2.219.075Frw), ibihano byo gukererwa bingana n’ibihumbi

mirongo inani na bibiri xx xxxxxx atandatu na mirongo irindwi n’umunani (82.678Frw).

[13] Rutegetse MUHIZI RUGAMBA guha BPR LTD indishyi z’ikurikiranarubanza zingana na 300.000Frw.

[14] Rumutegetse gutanga umusogongero wa Leta wa 4% y’indishyi yategetswe gutanga ungana na 12.000Frw, agatanga na 4.200Frw y’ibyakozwe mu rubanza.

[15] Rutegetse ko BPR LTD isubizwa ingwate y’amagarama yatanze irega.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME NONE KU WA 30/12/2011 N’URUKIKO RW’UBUCURUZI RWA NYARUGENGE, RUGIZWE N’UMUCAMANZA BWASISI MUGABO Germain, AFASHIJWE N’UMWANDITSI XXXXXXXXXXX

Télésphore.

INTEKO

UMUCAMANZA UMWANDITSI

BWASISI X. Xxxxxxx HAMENYIMANA Xxxxxxxxxx