HABURANA:
URUKIKO RW’UBUCURUZI RWA NYARUGENGE, RURI I KIGALI, RUCIYE MU RUHAME URUBANZA Rcom 1951/15/TC/NYGE NONE KU WA 25/07/2016 MU BURYO BUKURIKIRA:
HABURANA:
UREGA:
ECOBANK RWANDA LTD, B.P. 3268 Kigali, ifite icyicaro mu Mudugudu wa Nyarugenge, Akagari ka Kiyovu, Umurenge wa Nyarugenge, Akarere ka Nyarugenge, yanditse kuri nomero 100003637, iburanirwa na Me RUSANGANWA Xxxx Xxxxx.
ABAREGWA:
1. XXXXXXXXX Xxxxxx, utuye mu Mudugudu wa Giramahoro, mu Kagari ka Mpenge, Umurenge wa Muhoza, Akarere ka Musanze, mu Ntara y’Amajyaruguru.
2. RWEMA XXXXXXXXXX Xxxxxxx, wari utuye mu Mudugudu w’Amataba, Akagari ka Bugoyi, Akarere ka Rubavu.
3. NYIRABUDERI Ester, utuye mu Mudugudu wa Giramahoro, mu Kagari ka Mpenge, Umurenge wa Muhoza, Akarere ka Musanze, mu Ntara y’Amajyaruguru.
IKIREGERWA:
-Kwishyura umwenda ungana na 17.221.238Frw ubazwe kugeza ku wa 05/03/2015 (10.943.099Frw principal + 6.278.139Frw intérêts);
-Inyungu zawo zikomeza kubarwa kugeza yishyuye;
-Amafaranga y’ikurikiranarubanza n’igihembo cy’Avoka angana na 2.000.000Frw;
-Irangiza ry’urubanza ry’agateganyo;
-Gusubizwa amafaranga y’igarama angana na 50.000Frw.
I. IMITERERE Y’URUBANZA
[1] Me RUSANGANWA Xxxx Xxxxx avuga ko ECOBANK RWANDA LTD yagurije RWEMA XXXXXXXXXX Xxxxxxx amafaranga, yishingirwa na KARAMBIZI Pierre, na NYIRABUDERI Ester. Avuga ko KARAMBIZI Pierre yaje gusaba ECOBANK RWANDA LTD ko yamwemerera akishyura iyo nguzanyo, hakorwa amasezerano yo kumwimuriraho inguzanyo. ECOBANK RWANDA LTD irishyuza umwenda n’inyungu zawo, ikanasaba indishyi, ikanasaba ko urubanza rurangizwa by’agategenyo.
[2] KARAMBIZI na NYIRABUDERI bavuga ko bemera ko bishingiye RWEMA XXXXXXXXXX Xxxxxxx, basaba gukurirwaho inyungu bakishyura umwenda usigaye, kandi bagahabwa igihe cyo kuyishyura.
[3] Urubanza rwaburanishijwe mu ruhame, RWEMA XXXXXXXXXX Xxxxxxx adahari.
[4] Xxxxxxx xxxxxxx xxxxxx xxxxxxxx:
-Umwenda wishyuzwa na ECOBANK RWANDA LTD;
-Igihe cyo kwishyura gisabwa na XXXXXXXXX Xxxxxx na NYIRABUDERI Xxxxx;
-Indishyi zisabwa na ECOBANK RWANDA LTD;
-Kurangiza urubanza by’agateganyo.
II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA
a) Umwenda wishyuzwa na ECOBANK RWANDA LTD
[5] Me RUSANGANWA Xxxx Xxxxx avuga ko ECOBANK RWANDA LTD yagurije RWEMA XXXXXXXXXX Xxxxxxx 16.500.000Frw, bakorana amasezerano ku wa 06/05/2009. Avuga ko RWEMA atishyuye uyu mwenda. Avuga ko ku wa 22/07/2011 XXXXXXXXX Xxxxxx xxxxxxx ECOBANK RWANDA LTD kumwemerera kwishyura iyo nguzanyo, ku wa 16/09/2011 hakorwa amasezerano yo kwimurira inguzanyo kuri KARAMBIZI Pierre. Avuga ko KARAMBIZI atishyuye nk’uko yabisezeranye, ko ariyo mpamvu RWEMA XXXXXXXXXX Xxxxxxx, XXXXXXXXX Xxxxxx, na NYIRABUDERI Ester bishyuzwa 17.221.238Frw.
[6] KARAMBIZI na NYIRABUDERI bavuga ko bakurirwaho inyungu z’ubukererwe bakishyura umwenda uvugwa mu masezerano KARAMBIZI Pierre yagiranye na ECOBANK RWANDA LTD. XXXXXXXXX Xxxxxx avuga ko impamvu asaba gukurirwaho inyungu z’ubukererwe xxx xxx atigeze ahabwa iyo nguzanyo, ngo icyo yakoze ni ukwishingira RWEMA wahawe amafaranga.
[7] Amasezerano yo ku wa 06/05/2009 agaragaza ko ECOBANK RWANDA LTD yagurije RWEMA XXXXXXXXXX Xxxxxxx 16.500.000Frw. Amasezerano y’ubwishigire yo ku wa 06/05/2009 agaragaza ko KARAMBIZI Pierre yishingiye inguzanyo yahawe RWEMA XXXXXXXXXX Xxxxxxx. Andi masezerano y’ubwishingire yakozwe ku 06/05/2009 agaragaza ko NYIRABUDERI Ester yishingiye inguzanyo yahawe RWEMA XXXXXXXXXX Xxxxxxx. Ibaruwa yo ku wa 16/09/2011 ECOBANK RWANDA S.A. yandikiwe XXXXXXXXX Xxxxxx xxxxxxxxx ko ECOBANK RWANDA S.A. yemereye KARAMBIZI Pierre kwimurirwaho inguzanyo yari yahawe RWEMA XXXXXXXXXX Xxxxxxx, ikaragaza k’uwo mwenda wimuwe ungana na 10.500.180Frw, ikanavuga uko KARAMBIZI azawishyura. Iyi baruwa ikaba yarasubizaga iyo KARAMBIZI Pierre yari yandikiye ECOBANK RWANDA LTD ayisaba kumuha igihe nk’umwishingizi, akishyura umwenda wahawe RWEMA XXXXXXXXXX Xxxxxxx. Izi nyandiko zose xxxxx xxx ibimenyetso byatanzwe na ECOBANK RWANDA LTD.
[8] Ingingo ya 552 CCLIII igira iti : “ Uwishingiye undi aba yiyemeje imbere y’ugomba kwishyurwa kuzamwishyura mu gihe ugomba kwishyura ubwe azaba atabikoze”.
Ingingo ya 560 CCLIII igira iti : « Uwishingiye undi ashinzwe kwishyura ugomba kwishyurwa gusa iyo ugomba kwishyura atashoboye kubikora, ubwishyu bugomba kubanza gushakwa mu bintu by’xxxxxx xxxxxxxxx, keretse rero uwamwishingiye yariyemereye kuzahita yishyura bitabaye ngombwa ko ubwishyu bubanza gushakwa mu bintu by’ugomba kwishyura, cyangwa se na none akaba yariyemeje ubufatanye bw’umwenda n’ugomba kwishyura w’iremezo, icyo gihe inkurikizi z’ibyo yiyemeje zigenwa hakurikijwe amahame agenga imyenda ifatanijwe ».
Ingingo ya 553 CCLIII, mu gika cya mbere, igira iti : « Ubwishingire ntibushobora kurenga icyo urimo umwenda agomba, cyangwa xx xxx uwishingiye undi abe yakwishyuzwa ibirenze ibyo uwo yishingiye yishyuzwa ».
[9] Urukiko rurasanga amasezerano yo ku wa 06/05/2009 agaragaza ko uwo ECOBANK RWANDA S.A. yahaye inguzanyo ari RWEMA XXXXXXXXXX Xxxxxxx, yingingirwa na XXXXXXXXX Xxxxxx. Amasezerano y’ubwishingire (Acte de cautionnement solidaire) yakozwe na KARAMBIZI Pierre, na NYIRABUDERI Ester, agaragaza ko aba bombi bishingiye RWEMA XXXXXXXXXX Xxxxxxx ku nguzanyo imaze kuvugwa hejuru.
[10] Rurasanga mu cyo ECOBANK RWANDA LTD yise kwimurira inguzanyo ya RWEMA XXXXXXXXXX Xxxxxxx kivugwa mu ibaruwa yo ku wa 16/09/2011 yarirengagije ko muri ayo masezerano KARAMBIZI Xxxxxx xxx xxxxxxxxxxxx, adashobora kuba uwahawe inguzanyo, kuko nta n’iyo yigeze ahabwa, kandi ibyo akaba yari yabyibukije mu ibaruwa ye yasubizwaga na ECOBANK RWANDA S.A., kuko yari yayisabye kwishyura umwenda nk’umwishingizi. Ntabwo rero KARAMBIZI Pierre yigeze asaba gusimbura RWEMA XXXXXXXXXX Xxxxxxx mu masezerano yagiranye na ECOBANK RWANDA LTD, ahubwo yasabye kwishyura nk’umwingingizi.
[11] Rushingiye ku ngingo za 552, 553, na 560 CCLIII, no ku masezerano y’ubwishingire, rurasanga inshingano za KARAMBIZI Pierre na NYIRABUDERI Xxxxx xxx xxxxxxxxxx umwenda wishyuzwa RWEMA XXXXXXXXXX Xxxxxxx mu gihe we atawishyuwe, ndetse bakawishyura batabanje gusaba ko ubanza gushakwa mu mutungo wa RWEMA nk’uko bigaragazwa n’amasezerano y’ubwishingire.
[12] Urukiko rurasanga umwenda ugaragara mu bimeyenyetso urega yashyikirije urukiko RWEMA XXXXXXXXXX Xxxxxxx abereyemo ECOBANK RWANDA LTD ari uwo yagaragaje ko yimuriye kuri XXXXXXXXX Xxxxxx xx xxxxxxx yamwandikiye ku wa 16/09/2011, ungana na 10.500.180Frw.
[13] Rurasanga umwenda umaze kuvugwa hejuru (10.500.180Frw), RWEMA XXXXXXXXXX Xxxxxxx agomba gutegekwa kuwishyura, hashingiwe ku ngingo ya 33 CCLIII (yakurikizwaga ku itariki uyu mwenda wabariweho) ivuga ko amasezerano akozwe mu buryo bukurikije amategeko aba itegeko ku bayagiranye, no ku
masezerano yo ku wa 06/05/2009 agaragaza ko RWEMA XXXXXXXXXX Xxxxxxx afite inshingano yo kwishyura inguzanyo yahawe ivugwa muri ayo masezerano.
[14] Rurasanga KARAMBIZI Pierre na NYIRABUDERI Xxxxx xxxxxxx gutegekwa gufatanya na RWEMA XXXXXXXXXX Xxxxxxx umwenda umaze kuvugwa hejuru, kubera ko bamwishingiye (caution solidaire).
[15] Xxxxxxxxx inyungu zabariwe umwenda wabazwe ku wa 16/09/2011 nta shingiro zifite, kuko zabariwe umwenda wimuriwe kuri KARAMBIZI Pierre, kandi tukaba twagaragaje ko uko kwimura umwenda binyuranyije n’amategeko. Bikaba byumvikana ko hashingiwe ku masezerano y’ubwishingire ya KARAMBIZI Pierre icyari gukorwa ari ukumwishyuza umwenda RWEMA XXXXXXXXXX Xxxxxxx yari asigayemo ku wa 16/09/2011 (ingingo ya 553 CCLIII), kuko byari byagaragaye ko yananiwe kuwishyura.
b) Igihe cyo kwishyura gisabwa na XXXXXXXXX Xxxxxx na NYIRABUDERI Ester
[16] KARAMBIZI Pierre na NYIRABUDERI Ester basabye guhabwa igihe cyo kwishyura.
[17] Me RUSANGANWA Xxxx Xxxxx avuga ko igihe basaba nta shingiro gifite, ngo kuko KARAMBIZI yiyemeje xxxxxxxxx xxxx xxxxx, xxxxx xxxxx xxxxxxxxxxx, ngo ndetse akaba atarigeze anagaragaza ubushake bwo kwishyura.
[18] Urukiko rurasanga igihe KARAMBIZI Pierre na NYIRABUDERI Ester batagomba kugihabwa, kuko uwo bishingiye yananiwe kwishyura. Ikindi ni uko icyo KARAMBIZI Pierre na NYIRABUDERI Ester biyemeje ari ukwishyura mu gihe uwahawe inguzanyo atishyuye. Ibirebana n’igihe cyo kwishyura bikaba bireba abagiranye amasezerano y’inguzanyo ari bo ECOBANK RWANDA LTD na RWEMA XXXXXXXXXX Xxxxxxx.
c) Indishyi zisabwa na ECOBANK RWANDA LTD
[19] Me RUSANGANWA Xxxx Xxxxx yasabye ko abaregwa bategekwa guha ECOBANK RWANDA LTD indishyi zingana na 2.000.000Frw z’ikurikiranarubanza n’igihembo cy’Avoka.
[20] Kubera ko kutubahiriza amasazerano xxx xx kwatumye ECOBANK RWANDA LTD ijya mu rukiko kurega, Urukiko rushingiye ku ngingo ya 258 CCLIII ivuga ko igikorwa cyose cy’umuntu cyangirije undi gitegeka nyir’ugukora ikosa rigikomokaho kuriha ibyangiritse, rurasanga RWEMA XXXXXXXXXX Xxxxxxx, XXXXXXXXX Xxxxxx na NYIRABUDERI Ester bagomba gutegekwa guha ECOBANK RWANDA LTD indishyi z’ikurikiranarubanza n’igihembo cy’Avoka zingana na 600.000Frw zigenwe mu bushishozi bw’urukiko.
d) Kurangiza urubanza by’agateganyo
[21] Me RUSANGANWA Xxxx Xxxxx xxxxxxx urukiko gutegeka ko uru rubanza rurangizwa by’agateganyo.
[22] Ingingo ya 212 y’Itegeko n° 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi iz’umurimo n’iz’ubutegetsi, ivuga ko « irangizwa ry’agateganyo ryemezwa n’urukiko rubyibwirije ndetse nta ngwate, iyo ikiburanwa ari umwenda wemewe mu rubanza n’uregwa cyangwa ikimenyetso cyawo xxxxx xxx inyandikomvaho».
[23] Kubera ko abaregwa bemera umwenda, xxxxxxx xxxxxxxxxx ku ngingo imaze kuvugwa, rurasanga uru rubanza rugomba kurangizwa by’agateganyo.
III. ICYEMEZO CY’URUKIKO
[24] Rwemeje ko RWEMA XXXXXXXXXX Xxxxxxx, XXXXXXXXX Xxxxxx na NYIRABUDERI Xxxxx xxxxxxxxx kwishyura.
[25] Rwemeje ko nta gihe cyo kwishyura KARAMBIZI Pierre na NYIRABUDERI Xxxxx xxxxxxx xxxxxxx.
[26] Rutegetse RWEMA XXXXXXXXXX Xxxxxxx, XXXXXXXXX Xxxxxx na NYIRABUDERI Xxxxx xxxxxxxxx kwishyura ECOBANK RWANDA LTD umwenda ungana n’amafaranga y’u Rwanda miliyoni icumi n’ibihumbi xxxxxx xxxxx n’ijana na mirongo inani (10.500.180Frw).
[27] Rutegetse RWEMA XXXXXXXXXX Xxxxxxx, XXXXXXXXX Xxxxxx na NYIRABUDERI Xxxxx xxxxxxxxx kwishyura ECOBANK RWANDA LTD amafaranga y’u Rwanda ibihumbi xxxxxx atandatu (600.000Frw) y’ikurikiranarubanza n’igihembo cy’Avoka.
[28] Rutegetse RWEMA XXXXXXXXXX Xxxxxxx, XXXXXXXXX Xxxxxx na NYIRABUDERI Xxxxx xxxxxxxxx kwishyura ECOBANK RWANDA LTD amafaranga y’u Rwanda ibihumbi mirongo itanu (50.000Frw) y’ingwate y’amagarama yatanze irega.
[29] Rutegetse ko uru rubanza rurangizwa by’agateganyo.
NI UKO RUCIWE KANDI RUSOMEWE MU RUHAME NONE KU WA 25/07/2016.
INTEKO
UMUCAMANZA UMWANDITSI
BWASISI X. Xxxxxxx XXXXXXXXXX Xxxxxxxx Xx/ Sé/