URUBANZA N°R.COM A 0061/16/HCC Urupapuro rwa 1

URUBANZA N°X.XXX A 0061/16/HCC Urupapuro rwa 1

XXXXXXX XXXXXX RW’UBUCURUZI RURI I KIGALI, RUHABURANISHIRIZA KU RWEGO RW’UBUJURIRE, RUCIYE URUBANZA N°X.XXX A 0061/16/HCC MU BURYO BUKURIKIRA NONE KU WA 24/05/2016 :

ABABURANYI

MUGIRIBANGA Sixth, mwene Ntawuhigiyeze Xxxxxxx na Nyiramajangwe Domina, utuye mu Mudugudu wa Busenyi, Akagali xx Xxxxxx, Umurenge wa Ngoma, Akarere ka Huye, Intara y’Amajyepfo, uhagarariwe akanaburanirwa na Me D’AMOUR Xxxx xx Xxxx UWAJURIYE.

MICROFINANCE INKINGI Ltd, ihagarariwe n’Umuyobozi Mukuru wayo uburanirwa na Me RWABUHIHI Godefroid UREGWA.

IKIREGO

Kujuririra urubanza X.XXX 0116/15/TC/HYE rwaciwe n’Urukiko rw’Ubucuruzi rwa Huye tariki ya 30/06/2015 (Gusaba ko amasezerano afitanye na MICROFINANCE INKINGI Ltd aseswa akishyura umwenda remezo asigayemo n’inyungu zikurikije amategeko.)

I. IMITERERE Y’URUBANZA MU NCA MAKE

[1] MUGIRIBANGA Sixte yasabye inguzanyo ya Frw 5.000.000 muri MICROFINANCE INKINGI Ltd agamije kugura imodoka y’ubwikorezi, ayihabwa ku wa 06/08/2010 agomba kuyishyura mu mezi 10.

[2] Ku wa 17/08/2011 yandikira MICROFINANCE INKINGI Ltd ayisaba kumuha indi nguzanyo ya Frw 1.000.000 kugira ngo agure amapine y’iyo modoka yari yaraguze n’imguzanyo ya mbere kubera ko amapine yayo yari yararangiye itabasha gukora neza uko yakagombye gukora. MICROFINANCE INKINGI Ltd yemeye kumuha iyo nguzanyo ya Frw 1.000.000, bakorana andi masezerano ku wa 23/09/2011 xxx bahuje umwenda wa mbere n’uwa kabiri, wose ukaba Frw

7.000.000 wagombaga kwishyurwa mu mezi 16.

[3] MUGIRIBANGA Sixte yatanze ikirego mu Rukiko rw’Ubucuruzi rwa Huye 04/09/2015 avuga ko yagerageje kwishyura umwenda yahawe uko abishoboye ariko biranga kubera ko imodoka

idakora na nubu, amenyesha MICROFINANCE INKINGI Ltd ariko ikomeza kumubarira inyungu z’umurengera kugeza xxx ku itariki ya 16/02/2015 yamuhaye integuza ya nyuma imusaba kwishyura umwenda ungana na Frw 15.432.559 ariko we akaba xxxxx Xxxxxxx ko yakwishyura amafaranga yemewe n’amategeko uko yayabaze hashingiwe ku nguzanyo ya Frw 7.000.000 n’amafaranga amaze kwishyura, xxxxx xxxxxx na Frw 4.140.000 y’umwenda remezo na Frw 1.614.600 y’inyungu z’amezi 26 kuva ku wa 23/09/2011 kugeza mu kwezi kwa Werurwe 2015 zibazwe ku gipimo cya 18%. Umwenda wose harimo inyungu ungana na Frw 5.754.600.

[4] MICROFINANCE INKINGI Ltd yireguye ivuga ko ikirego cya MUGIRIBANGA Sixte nta shingiro gifite kubera ko yaje kunanirwa kubahiriza amasezerano yo ku wa 23/09/2011, maze ku wa 06/10/2012 yongera kwandika asana kongererwa igihe cyo kwishyura ndetse asaba ko inyungu yazigabanyirizwa akajya abarirwa ku gipimo cya 18% kandi agahabwa amezi 36, ibyo nabyo barabimwemereye mu yandi masezerano bakoranye ku wa 31/10/2012 xxx inguzanyo yari yabaye Frw 8.578.125 yagombaga kwishyura mu gihe cy’amezi 36 ku nyungu zisanzwe za 1,5% ku kwezi n’iz’ubukererwe za 5% ku kwezi kandi agakomeza kwishyura inyungu zisanzwe, ni kuvuga ko mu gihe cy’ubukererwe, yagombaga kwishyura inyungu za 6,5%.

[5] MICROFINANCE INKINGI Ltd yavuze ko n’ayo masezerano yo ku wa 31/10/2012 MUGIRIBANGA Sixte atarayubahirije, bituma imwandikira integuza ya nyuma ku wa 16/02/2015. Yavuze ko ntaho MUGIRIBANGA Sixte yahera avuga ko yayimenyesheje ikibazo yagize ikanga igakomeza kumubarira inyungu z’umurengera mu gihe yamwemereye kuvugurura amasezerano inshuro ebyiri zose ndetse agahabwa kwishyura mu gihe yasabye, amezi 36, ndetse no ku nyungu ubwe yifuza 18%, bityo akaba atavuga ari inyungu z’umurengera kandi ariwe wazisabiye akazihabwa ndetse n’ubu mu kirego cye kikaba bigaragara ko arizo anabariraho.

[6] Urukiko rw’Ubucuruzi rwa Huye yaciye urubanza rwemeza ko kubera ko MUGIRIBANGA Sixte avuga ko umwenda akwiye kwishyura ari ushingiye ku masezerano ya Frw 7.000.000 hakurikijwe amafaranga yishyuye nk’uko agaragara mu gatabo ke k’ibyagiye bikorerwa kuri konti ye muri MICROFINANCE INKINGI Ltd, nyamara amasezerano akwiye kugenderwaho xxx xxx ku wa 31/10/2012 ya Frw 8.578.125 ndetse ko kubera ko MUGIBARANGA Sixte atabashije kuvuguruza imibare ya MICROFINANCE INKINGI Ltd igaragaza ishingiye ku masezerano ya nyuma bikaba bigaragara ko umwenda MUGIRIBANGA Sixte akwiye kwishyura ari ugaragazwa na MICROFINANCE INKINGI Ltd uhwanye wose hamwe na Frw 16.831.187. Rwemeje ko MUGIRIBANGA Sixte agomba kwishyura MICROFINANCE INKINGI Ltd Frw 50.000 y’ikurikiranarubanza na Frw 500.000 y’igihembo cy’Avoka. Rwemeje xxxxx xx ubwishyu bwashakirwa mu mutungo wa NYAMWASA Xxxxxx xxx xxx utabashije kuboneka mu mitungo ya MUGIRIBANGA Sixte kuko yari yishingiye umwenda we ndetse akaba yaragobokeshejwe mu rubanza kubera iyo mpamvu.

[7] MUGIRIBANGA Sixte yajuririye icyo cyemezo ku mpamvu zikurikira:

- Kuba Urukiko rutaritaye ku mibare nyayo ngo rwemeze ko amafaranga MICROFINANCE INKINGI Ltd imwishyuza ahindutse mu giteranyo cyayo kuko ayo bamwishyuza arenze ayo abagomba.

- Kuba Urukiko rutaritaye ku buhendanyi bamukoreye bakamugusha mu mutego wo kumuheza mu mwenda utarangira.

- Kuba Urukiko rutaritaye ku kimenyetso MICROFINANCE INKINGI Ltd yitangiye ubwayo xxx yagaragarije Banki Nkuru y’U Rwanda ko umwenda ayifitiye utarenga Frw 8.208.000 nk’uko bigaragara mu nyandiko yiswe “Credit Reference Bureau Africa Limited”.

- Kuba Urukiko rutaritaye ku kuba yarahuye ni icyiza maze imodoka yari yakoreye umushinga igahera ku gasozi xxxxx xxxxx yamushobozaga kwishyura umwenda kandi icyo cyiza yari yakimenyesheje MICROFINANCE INKINGI Ltd.

[8] MICROFINANCE INKINGI Ltd yireguye mu buryo bukurikira:

- Ku mpamvu ya mbere y’ubujurire: MUGIRIBANGA Sixte yarareze asaba gusesa amasezerano yo ku wa 23/09/2011 xxxxx xxx masezerano yarasimbuwe n’ayo ku wa 31/10/2012 ari n’xxx imibare y’ukuri ishingiyeho kandi Urukiko rwayitayeho.

- Ku mpamvu ya kabiri y’ubujurire: nta buhendanyi bwabayeho kubera ko MUGIRIBANGA Sixte ariwe wasabye ko amasezerano ahinduka. Yabisabye ku wa 21/06/2010, amaze guhabwa inguzanyo ku wa 20/10/2010, asaba gusonerwa amezi abiri yo kwishyura; ku wa 17/08/2011 asaba longererwa igihe ku nguzanyo ndetse no kongererwa inguzanyo agahabwa xxxx Xxx

1.000.000 yo kugura amapine; ku wa 06/10/2012 yongeye gusaba kongererwa igihe cyo kwishyura no kugabanyiriza inyungu zikabarirwa kuri 18% ndetse no kwishyura mu mezi 36, ibi byarakozwe mu masezerano yo ku wa 31/10/2012.

- Ku mpamvu ya gatatu y’ubujurire: uretse ko icyo kimenyetso nta n’icyo MICROFINANCE INKINGI Ltd yatanze mu Rukiko, ariko naho yari kugitanga ntaho kinyuranyije n’ukuri kuko nk’uko bigaragra ku bimenyetso MUGIRIBANGA Sixte yahaye MICROFINANCE INKINGI Ltd ajurira, kiragaragaza ko umwenda remezo yahawe ari Frw 8.578.125 kandi niwo koko unagaragaza mu masezerano y’inguzanyo yo ku wa 31/10/2012, kinagaragaza xxxxx xx umwenda usigaye ari Frw 8.208.000 kandi koko niwo mwenda remezo usigaye yishyuzwa na MICROFINANCE INKINGI Ltd, ayandi ariho yishyuzwa ntabwo ari umwenda remezo, ni inyungu zishingiye ku masezerano yo ku wa 31/10/2012 impande zombi zashyizeho umukono.

- Ku mpamvu ya xxxx y’ubujurire: MUGIRIBANGA Sixte aheruka kugeza ikibazo cy’imodoka ye kuri MICROFINANCE INKINGI Ltd asaba kongererwa igihe cy’amezi 36 n kuzajya abarirwa inyungu kuri 18% nk’uko bigaragara mu ibaruwa ye yo ku wa 06/10/2012, ubufasha rero yarasabye icyo gihe, yarabuhawe kuko yakozwe amasezerano yo ku wa 31/10/2012 akubiyemo ibyifuzo bye. Niba rero amafaranga imodoka yinjinzaga yarayajyanaga mu bindi xxx

kuyikoresha ibyo yapfuye, ibyo bikaba ariwe bireba ku xxxx xxx, agomba akubyirengera ndetse niba ikamyo ye yaraheze ku gasozi ni ukubera impamvu zimuturutseho kuko niba yari ukubera impanuka yagize, ubwishingizi yafatiriye iyo modoka xxxxx xxxx bwaramufashije. Kuvuga xxxxx xx iriya modoka ariyo yamushobozaga kwishyura nabyo sibyo kuko MUGIRIBANGA Sixte asaba kongererwa igihe cyo kwishyura ku wa 06/10/2012, yagaragaje ibimwinjiriza amafaranga (xxxx ikimenyetso cya 18 mu byatanzwe mu mwanzuro wo kwiregura mu rwego rwa mbere) aribyo restaurant macrobiotique Kenyan, HAGENIMANA, Abapangayi ndetse na transport en commun, ntaho rero iriya modoka igaragara ku buryo yaba urwitwazo rwo kutishyura.

[9] MICROFINANCE INKINGI Ltd yatanze ubujurire bwururiye ku bundi isaba kwishyurwa umwenda remezo ungana na Frw 8.208.000, inyungu zisanzwe zingana na Frw 5.065.005, inyungu z’ubukererwe zingana na Frw 8.962.169 n’amafaranga y’ikurikiranarubanza angana na Frw 1.11.759, xxxx xxxxx xxxxx xxx Frw 23.346.932.

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

- Kumenya niba Urukiko rubanza rutaritaye ku mibare nyayo y’umwenda.

- Kumenya niba Urukiko rutaritaye ku buhendanyi MUGIRIBANGA Sixte yagiriwe na MICROFINANCE INKINGI Ltd imugusha mu mutego wo kumuheza mu mwenda utarangira.

- Kumenya niba Urukiko rutaritaye ku kimenyetso MICROFINANCE INKINGI Ltd yitangiye ubwayo xxx yagaragarije Banki Nkuru y’U Rwanda ko umwenda ayifitiye utarenga Frw 8.208.000.

- Kumenya niba Urukiko rutaritaye ku kibazo imodoka ya MUGIRIBANGA Sixte yagize cyatumye ananirwa kwishyura umwenda.

- Kumenya niba MICROFINANCE INKINGI Ltd igomba kwishyurwa umwenda remezo ungana na Frw 8.208.000, inyungu zisanzwe zingana na Frw 5.065.005 n’ inyungu z’ubukererwe zingana na Frw 8.962.169.

- Kumenya niba MICROFINANCE INKINGI Ltd igomba kwishyurwa amafaranga y’ikurikiranarubanza ahwanye na 5% y’umwenda wose wishyurwa, ni ukuvuga Frw 1.111.759.

II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA

A- Kumenya niba Urukiko rubanza rutaritaye ku mibare nyayo y’umwenda.

[11] MUGIRIBANGA Sixte yajuriye avuga ko Urukiko rutaritaye ku mibare nyayo y’umwenda ahubwo rwemeje amafaranga MICROFINANCE INKINGI Ltd imwishyuza xxxxx xxxxxx ayo abagomba.

[12] MUGIRIBANGA Sixte avuga ko amafaranga agomba kwishyura yayasobanuye mu kirego yatanze mu Rukiko rw’Ubucuruzi rwa Huye 04/09/2015. Avuga ko ayo mafaranga yayabaze hashingiwe ku nguzanyo ya Frw 7.000.000 n’amafaranga amaze kwishyura, xxxxx xxxxxx na Frw 4.140.000 y’umwenda remezo na Frw 1.614.600 y’inyungu z’amezi 26 kuva ku wa 23/09/2011 kugeza mu kwezi kwa Werurwe 2015 zibazwe ku gipimo cya 18%. Umwenda wose harimo inyungu ungana na Frw 5.754.600.

[12] MICROFINANCE INKINGI Ltd yiregura ivuga ko MUGIRIBANGA Sixte yareze asaba gusesa amasezerano yo ku wa 23/09/2011 xxxxx xxx masezerano yarasimbuwe n’ayo ku wa 31/10/2012 ari n’xxx imibare y’ukuri ishingiyeho kandi Urukiko rwayitayeho.

[13] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko MUGIRIBANGA Sixte avuga ko umwenda agomba kwishyura ushingiye ku masezerano yo ku wa 23/09/2011, maze akawubara akavuga ko ungana na Frw 5.754.600, nyamara yirengagiza ko ku wa 06/10/2012 yandikiye MICROFINANCE INKINGI Ltd (Xxxx xxxx Xxxx 17 muri dosiye yo ku rwego rwa mbere) avuga ko umwenda we wiyongereye cyane bituruka ku kutishyura neza, asaba kongererwa igihe cyo kwishyura no kugabanyiriza inyungu, zikabarirwa kuri 18% no kwishyura mu gihe cy’amezi 36 kandi ibyo MICROFINANCE INKINGI Ltd yarabyemereye nk’uko bigaragara mu masezerano yabo yavuguruwe ku wa 31/10/2012 xxx byanditse neza ko umwenda ungana na Frw 8.578.125 ndetse ko uzishyurwa kuva ku wa 30/11/2012 kugeza ku wa 30/10/2015.

[14] Rusanze rero ko ibyo MUGIRIBANGA Sixte avuga nta kuri kurimo kubera ko umwenda ugomba kubarwa hashingiwe ku masezerano ya xxxxx xxxxx kuwa 31/10/2012 xxx umwenda remezo wanganaga na Frw 8.578.125. Rusanze xxxxx xx ayo masezerano asobanura mu ngingo zayo za 1na 2 ko inyungu zisanzwe zizabarwa ku gipimo cya 1,5% buri kwezi , inyunzu z’ubukererwe zikabwara ku gipimo cya 5% buri kwezi ariko mu gihe cy’ubukererwe inyungu zisanzwe nazo zizakomeza kubarwa, bityo inyungu zose mu gihe cy’ubukererwe zikabarirwa ku gipimo cya 6,5%.

[15] Rusanze na none ko mu ibaruwa MICROFINANCE INKINGI Ltd yandikiye MUGIRIBANGA Sixte ku wa 16/02/2015 imuha integuza ya nyuma, yamumenyesheje ko umwenda uteye utya: umwenda remezo wa Frw 8.208.000, inyungu zisanzwe za Frw 2.041.945, inyungu z’ubukererwe zingana na Frw 4.447.769, n’ayo kwishyuza (mensualité) angana na Frw 734.886. Rusanze ko ibyo byose bigaragaza ko MUGIRIBANGA Sixte atishyuraga umwenda we akagira ibirarane byinshi kandi amafaranga yose yishyuzwa Urukiko rubanza rwemeje akaba ashingiye ku masezerano yo ku wa 31/10/2012 wenyine yasinyiye xxx yiyemereye kuzishyura izo nyungu zose uko zibariwe hakurikijwe ayo masezerano mu nyandiko MICROFINANCE INKINGI Ltd yatanze muri Cote ya 37 muri dosiye yo mu rwego rwa mbere ikagaragaza uko umwenda wabazwe n’uko ungana ku itariki ya 30/04/2015.

[16] Kubera izo mpamvu zose, rukaba rusanga ko iyo mpamvu y’ubujurire bwa MUGIRIBANGA Sixte ari nta shingiro ifite.

B- Kumenya niba Urukiko rutaritaye ku buhendanyi MUGIRIBANGA Sixte yagiriwe na MICROFINANCE INKINGI Ltd imugusha mu mutego wo kumuheza mu mwenda utarangira.

[17] MUGIRIBANGA Sixte yajuriye avuga ko Urukiko rubanza rutaritaye ku buhendanyi yagiriwe na MICROFINANCE INKINGI Ltd imugusha mu mutego wo kumuheza mu mwenda utarangira.

[18] MICROFINANCE INKINGI Ltd yiregura ivuga ko nta buhendanyi bwabayeho kubera ko MUGIRIBANGA Sixte ariwe wasabye ko amasezerano ahinduka. Ivuga ko yabisabye ku wa 21/06/2010, amaze guhabwa inguzanyo ku wa 20/10/2010, asaba gusonerwa amezi abiri yo kwishyura; ku wa 17/08/2011 asaba longererwa igihe ku nguzanyo ndetse no kongererwa inguzanyo agahabwa andi Frw 1.000.000 yo kugura amapine; ku wa 06/10/2012 yongeye gusaba kongererwa igihe cyo kwishyura no kugabanyiriza inyungu zikabarirwa kuri 18% ndetse no kwishyura mu mezi 36, ibi byarakozwe mu masezerano yo ku wa 31/10/2012.

[19] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko nk’uko bigaragara mu mabaruwa atandukanye yagiye yandikira MICROFINANCE INKINGI Ltd ku wa 17/08/2011 xxx yasabaga kongererwa andi mafaranga y’inguzanyo angana na Frw 1.000.000 ndetse no kongererwa igihe cyo kwishyura kikaba amezi 18 xxx xxxx 10 nk’uko byari mu masezerano ya mbere yo ku wa 06/08/2010; ku wa 06/10/2012 xxx yasabaga kongererwa igihe cyo kwishyura no kugabanyirizwa inyungu kandi ibi byose yarabiyemerewe na MICROFINANCE INKINGI Ltd kuko bagiye bahindura amasezerano ya mbere bisabwe na MUGIRIBANGA Sixte, bityo akaba atakitwaza ko MICROFINANCE INKINGI Ltd yamuheze mu mwenda utarangira kandi ariwe wahoraga asaba kongererwa igihe cyo kwishyura ndetse rimwe agasaba no kongererwa umubare w’umwenda.

C- Kumenya niba Urukiko rutaritaye ku kimenyetso MICROFINANCE INKINGI Ltd yitangiye ubwayo xxx yagaragarije Banki Nkuru y’U Rwanda ko umwenda ayifitiye utarenga Frw 8.208.000.

[20] MUGIRIBANGA Sixte avuga ko MICROFINANCE INKINGI Ltd yitangiye ubwayo ikimenyetso xxx yagaragarije Banki Nkuru y’U Rwanda ko umwenda ayifitiye utarenga Frw 8.208.000, icyo kimenyetso kikaba ari inyandiko yiswe “Credit Reference Bureau Africa Limited”.

[21] MICROFINANCE INKINGI Ltd yiregura ivuga ko uretse ko icyo kimenyetso nta n’icyo yatanze mu Rukiko, ariko naho yari kugitanga ntaho kinyuranyije n’ukuri kuko nk’uko bigaragra ku bimenyetso MUGIRIBANGA Sixte yahaye MICROFINANCE INKINGI Ltd ajurira, kiragaragaza ko umwenda remezo yahawe ari Frw 8.578.125 kandi niwo koko unagaragaza mu masezerano y’inguzanyo yo ku wa 31/10/2012, kinagaragaza xxxxx xx umwenda usigaye ari Frw 8.208.000 kandi koko niwo mwenda remezo usigaye yishyuzwa na MICROFINANCE INKINGI Ltd, ayandi ariho yishyuzwa ntabwo ari umwenda remezo, ni inyungu zishingiye ku masezerano yo ku wa 31/10/2012 impande zombi zashyizeho umukono.

[22] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko muri dosiye icyo kimenyetso MIGIRIBANGA Sixte avuga kitagaragaramo. Rusanze ariko ko ubusanzwe amabanki yohereza muri Banki Nkuru y’U Rwanda situation y’uko imyenda bafite ameze ariko icyo yohereza n’umubare w’umwenda remezo gusa kuko inyungu zikomeza kubarwa uko nyirumwenda atishyura cyangwa umwenda ukagabanuka iyo ugenda wishyurwa.

[22] Rusanze rero ko MUGIRIBANGA Sixte atagomba gushingira kuri iyo nyandiko MICROFINANCE INKINGI Ltd yaba yohereje Banki Nkuri y’U Rwanda cyane cyane ko we atagaragaza ko yishyuye umwenda uko amasezerano yabiteganyaga, bityo nta nyungu yabarirwa kuko amasezerano yagiranye na MICROFINANCE INKINGI Ltd ku wa 31/10/2012 ateganya uko inyungu zibarwa kandi n’uko MICROFINANCE INKINGI Ltd yazibaze.

D- Kumenya niba Urukiko rutaritaye ku kibazo imodoka ya MUGIRIBANGA Sixte yagize cyatumye ananirwa kwishyura umwenda.

[23] MUGIRIBANGA Sixte yajuriye avuga ko Urukiko rutarahaye agaciro icyiza yahuye nacyo, yanakimenyesheje MICROFINANCE INKINGI Ltd kuko imodoka yari yakoreye umushinga yahereye ku gasozi xxxxx xxxxx yamushobozaga kwishyura umwenda.

[24] MICROFINANCE INKINGI Ltd yiregura ivuga ko MUGIRIBANGA Sixte aheruka kuyigeza ikibazo cy’imodoka ye asaba kongererwa igihe cy’amezi 36 n kuzajya abarirwa inyungu kuri 18% nk’uko bigaragara mu ibaruwa ye yo ku wa 06/10/2012, ubufasha rero yarasabye icyo gihe, yarabuhawe kuko yakozwe amasezerano yo ku wa 31/10/2012 akubiyemo ibyifuzo bye. Niba rero amafaranga imodoka yinjinzaga yarayajyanaga mu bindi xxx kuyikoresha ibyo yapfuye, ibyo bikaba ariwe bireba ku xxxx xxx, agomba akubyirengera ndetse niba ikamyo ye yaraheze ku gasozi ni ukubera impamvu zimuturutseho kuko niba yari ukubera impanuka yagize, ubwishingizi yafatiriye iyo modoka xxxxx xxxx bwaramufashije. Kuvuga xxxxx xx iriya modoka ariyo yamushobozaga kwishyura nabyo sibyo kuko MUGIRIBANGA Sixte asaba kongererwa igihe cyo kwishyura ku wa 06/10/2012, yagaragaje ibimwinjiriza amafaranga (xxxx ikimenyetso cya

18 mu byatanzwe mu mwanzuro wo kwiregura mu rwego rwa mbere) aribyo restaurant macrobiotique Kenyan, HAGENIMANA, Abapangayi ndetse na transport en commun, ntaho rero iriya modoka igaragara ku buryo yaba urwitwazo rwo kutishyura.

[25] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko Urukiko rubanza rutari kurenga kubyo MICROFINANCE INKINGI Ltd yakoreye MUGIRIBANGA Sixte kugira ngo imufashe kwishyura umwenda we kuko icyo Urukiko rushinzwe n’ugusuzuma amasezerano ndetse niba impande zombi zarayubahirije hakurikijwe ibyo amategeko ateganya ariko ntabwo rushobora kuyarenzaho rwemeza ko uruhande rutubahirije amasezerano kubera ko atishyuye umwenda yongerwe igihe cyo kuwishyura kuko ibyo biri mu burenganzira bw’uwo bafitiye umwenda xxxx xxxxx muri uru rubanza ni MICROFINANCE INKINGI Ltd ufite ubwo burenganzira, ikaba rero yarabikoze buri gihe MUGIRIBANGA Sixte yabisabaga.

[26] Bityo rukaba rusanga ko niba MICROFINANCE INKINGI Ltd ariyo MUGIRIBANGA Sixte afitiye umwenda itagishaka kwumwihanganira imugabanyiriza umwenda cyangwa imwongerera igihe cyo kwishyura kubera impamvu yasobanuye mu myiregure yayo, ibyo bikaba ari uburenganzira bwayo Urukiko rudashobora kubangamira cyane cyane ko nta kigaragaraza ko ibibazo imodoka ya MUGIRIBANGA Sixte yagize bitamuturutseho.

E- Kumenya niba MICROFINANCE INKINGI Ltd igomba kwishyurwa umwenda remezo ungana na Frw 8.208.000, inyungu zisanzwe zingana na Frw 5.065.005 n’inyungu z’ubukererwe zingana na Frw 8.962.169.

[27] MICROFINANCE INKINGI Ltd yatanze ubujurire bwururiye ku bundi isaba kwishyurwa umwenda remezo ungana na Frw 8.208.000, inyungu zisanzwe zingana na Frw 5.065.005 n’inyungu z’ubukererwe zingana na Frw 8.962.169.

[28] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko nk’uko ingingo ya 1 na 2 z’amasezerano impande zombi zagiranye ku wa 31/10/2012, MUGIRIBANGA Sixte agomba kwishyura umwenda remezo n’inyungu zawo zisanzwe n’iz’ubukererwe zibazwe ku gipimo cya 6,5% buri kwezi kandi ibyo bikaba byarabazwe na MICROFINANCE INKINGI Ltd mu nyandiko yashyikirijwe Xxxxxxx xxxxxxxxx ko ku itariki ya 28/02/2016 umwenda remezo ungana na Frw 8.208.000, inyungu zisanzwe zingana na Frw 5.065.005, inyungu z’ubukererwe zingana na Frw 8.962.169.

F- Kumenya niba MICROFINANCE INKINGI Ltd igomba kwishyurwa amafaranga y’ikurikiranarubanza ahwanye na 5% y’umwenda wose wishyurwa, ni ukuvuga Frw 1.111.759.

[29] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko MUGIRIBANGA Sixte agomba guhabwa amafaranga y’ikurikiranarubanza kubera ko MUGIRIBANGA Sixte akomeza kuyishora mu manza zitari ngombwa, rusanze ariko ko 5% y’umwenda wose asaba ari menshi cyane cyane ko yagenewe Frw 500.000 mu rwego rwa mbere, bityo rukaba ruyigeneye Frw 600.000 y’ikurikiranarubanza mu rwego rw’ubujurire.

III. ICYEMEZO CY’URUKIKO RUKURU RW’UBUCURUZI

[30] RWEMEYE kwakira ubujurire bwa MUGIRIBANGA Sixte, RWEMEJE ko nta shingiro bufite.

[31] RWEMEYE kwakira ubujurire bwururiye ku bundi bwa MICROFINANCE INKINGI Ltd, RWEMEJE ko bufite ishingiro.

[32] RWEMEJE ko nta gihindutse ku rubanza X.XXX 0116/15/TC/HYE rwaciwe n’Urukiko rw’Ubucuruzi rwa Huye ku wa 30/06/2015.

[33] RUTEGETSE MUGIRIBANGA Sixte kwishyura MICROFINANCE INKINGI Ltd Frw 600.000 y’ikurikiranarubanza mu bujurire.

[34] RUVUZE ko rutasomwe ku wa 10/05/2016 kubera ko Umucamanza yari atararangiza kurwandika kubera ko yagize akazi kenshi.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME NONE KUWA 24/05/2016.

MUREBWAYIRE Liberatha RWANYINDO X. Xxxxxx

Umwanditsi Umucamanza

Sé/ Sé/

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