HABURANA:
URUKIKO RW’UBUCURUZI RWA NYARUGENGE, RURI I KIGALI RUBURANISHA IMANZA Z’UBUCURUZI, RUCIYE MU RUHAME URUBANZA Rcom 0321/15/TC/Nyge NONE KUWA 30/12 /2015 MU BURYO BUKURIKIRA:
HABURANA:
UREGA:
GT Bank Rwanda Ltd mu izina ry’uyihagarariye, ifite icyicaro gikuru mu Mudugadu w’Irembo, Akagari ka Kiyovu, Umurenge wa Nyarugenge, Akarere ka Nyarugenge, Umujyi wa Kigali Nyarugenge, Umujyi wa Kigali, iburanirwa na Me XXXXXXXXXXX Xxxx.
ABAREGWA:
1. FIECO Ltd ifite icyicaro gikuru mu Mudugadu wa Nyabugogo, Akagari ka Nyabugogo, Umurenge wa Kimisagara, Akarere ka Nyarugenge, Umujyi wa Kigali iburanirwa na Me MUNYESHEMA Xxxxxxxx
2. KAREMANGINGO Gonzalve mwene NYIRUBUTABI na MUKAMUSONI, wavutse 1983, utuye mu Mudugadu wa Bwahirimba, Akagari ka Ubumwe, Umurenge wa Muhima, Akarere ka Nyarugenge, Umujyi wa Kigali, ID 1198380048788082, aburanirwa na Me MUNYESHEMA Napoleon
3. INGABIRE Xxxxxx xxxxx XXXXXXX Xxxxxxx na KATUSHABE Xxxx, wavutse 1983, utuye mu Mudugadu wa Bwahirimba, Akagari ka Ubumwe, Umurenge wa Muhima, Akarere ka Nyarugenge,
Umujyi wa Kigali, ID 1198370045836093, yunganirwa na Me NSHIMIYIMANA Moubaraka.
IKIREGERWA:
- Umwenda ungana na 498.050.274Frw wabazwe by’agateganyo kugera kuya 31/12/2041 uzakomeza kwiyongera kugeza urubanza rubaye ndakuka
- Amafaranga y’ikurikirana rubanza 500.000Frw
- Igihembo cy’Avocat 3.000.000Frw
……………………………………………………………………………………………
I. IMITERERE Y’URUBANZA MU NCAMAKE
(1) GT Bank Rwanda Ltd irega FIECO Ltd, KAREMANGINGO Gonzalve na INGABIRE Carine kutubahiriza amasezerano y’iguriza yo kuwa 11/10/2011 nyuma iza guhabwa umwenda w’ingoboka kuwa 11/10/2011 na kuwa 03/04/2012 ariko Bank ntiyishyurwa ikaba isaba kwishyura umwenda, amafaranga y’ikurikirana rubanza n’igihembo cy’Avocat.
(2) Me MUNYESHEMA Napoleon uburanira FIECO Ltd na KAREMANGINGO Gonzalve avuga ko company itishyuye kubera ikibazo bya’amasoko bahawe ataragenze neza asaba ko inyungu z’ubukererwe zahagarikwa kubera ko Bank izi ibibazo bagize.
(3) Uburanira INGABIRE Xxxxxx xxxxx ko ikirego cya GT Bank Rwanda Ltd kitahabwa ishingiro kubera ko atagomba kuregwa kubera ko
yayaimenyesheje ko FIECO Ltd irimo gukoresha inguzanyo ibyo itagombaga gukora irabyirengagiza ntiyagira icyo ibikoraho ikaba ahubwo igomba kumuha indishyi z’akababaro akanahabwa 50% z’umutungo we kubera ko yatandukanye na KAREMANGINGO Gonzalve.
Ibibazo bigomba gusuzumwa mu rubanza
- Kumenya niba umwenda uregerwa ufite ishingiro
- Kumenyi niba INGABIRE Carine atagomba kuregwa
- Kumenya niba amafaranga y’ikurikirana rubanza n’igihembo cy’Avocat afite ishingiro
II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA
1. Kumenya niba umwenda uregerwa ufite ishingiro
(4) Ababuranyi bose baritabye urega aburanirwa Me XXXXXXXXXXX Xxxx xxxx Me MUNYESHEMA Xxxxxxxx xxxxxxxxx FIECO Ltd na KAREMENGINGO naho INGABIRE Carine yunganirwa na Me Me NSHIMIYIMANA Moubaraka. Uburanira Bank ahawe ijambo ryo gusobanura ikirego avuga ko byose bikubiye mu mwanzuro ariko FIECO Ltd ifitiye urega umwenda wa 498.050.274Frw ugaragzwa na historique yo kuwa 21/09/2014 KAREMANGINGO na INGABIRE Carine bakaba barishingiye uwo mwenda. Me MUNYESHEMA Napoleon avuga ko GT Bank igomba kugaragaza amafaranga yahaye FIECO bakabona uko bayisobanuraho natarishyurwa. Akomeza avuga ko bitatwe na FIECO Ltd ahubwo ko byatewe n’amasoko bari bahawe. Asaba ko mu gihe baba bagitegereje kumenya uko umwenda bishyuzwa ungana nyungu z’ubukererwe zarekeraho kubarwa ku mpamvu GT Bank nayo ubwayo izi.
(5) INGABIRE Carine avuga ko yaje mu rubanza kubera uwo bari barashakanye KAREMANGINGO Gonzalve batandukanye ariko akaba yaratangajwe no kubona amasezerano yariyasinyeho ngo ariko kuwa 04/01/2012 akaba yarandikiye GT Bank ayibwira ko FIECO Ltd ifite ibibazo arimo kubona amafaranga iyakoresha ibyo itagombaga gukora GT bank rero ikaba yarirengagije ibyo yagombaga gukora ahubwo imuzana mu nkiko akaba asaba indishyi z’akababaro no kurekura 50% y’umutungo we kubera ko batatndukanye naho amasezerano KAREMANGINGO Gonzalve ubwe yasinye wenyine ntabwo amureba. Abazwa niba amasezerano ya kabiri yarasinyw baratandukanye asubiza ko muri procedure yo gutandukana akaba yarakozwe atabizi.
(6) Me NSHIMIYIMANA Moubaraka avuga ko kwa 04/01/2012 uwo yunganira yandikiye FIECO Ltd ayimenyesha imikoreshereze y’amafaranga ibyo atagenewe anabimenyesha GT Bank yayamugurije ayimenyesha ko ishobora kugira igihombo. Akomeza avuga ko batanze ikirego cyo kwiregura kuko hari icyo GT Bank ibagomba kubera ko yabibamenyesheje kera ntibabyumva akaba asaba ko INGABIRE Carine yarenganurwa. Me XXXXXXXXXXX Xxxx avuga ko Historique batanze isobanutse ayo yatanze nayo yahawe biragaragara ibyo kuba yagabanyirizwa inyungu z’ubukererwe nta shingiro bifite naho ku byo INGABIRE Carine avuga ko yandikiye GT Bank ibarwa kuwa 04/01/2012 biravugwa mu ngingo ya 5 y’amasezerano naho ibyo kuba baratandukanye ntacyo byavugwaho hano bafatwa nk’abafatanyije gufata umwenda naho kuvuga ko amasezerano ya kabiri atayazi ayo masezerano ntacyo ayinduya kubyo yishingiye.
(7) Akomeza avuga ko kuba FIECO Ltd yarakoresheje amafaranga nabi ntibivuga ko batagombaga kwishyura. Uburanira KAREMANGINGO
Gonzalve avuga avuga ko bagaragaje ko kuva imirimo ihagaze muri 2012 GT Bank yaganiraga na FIECO bakaba batumva impamvu itareze ikaba ireze 2015 yaraharitse imirimo. Avuga ko ligne de credit ya 150.000.000Frw niyo agaragara muri historique. INGABIRE avuga ko ingingo ya 15 y’amasezerano ivuga ko nyuma y’amezi atatu bagomba gukurikirana kandi yarabikoze FIECO ikaba rero itaragombaga kuregwa. Me NSHIMIYIMANA Moubaraka avuga ko Bank yakoze amakosa yo kudakurikirana ibyo INGABIRE yayibwiye kubera ko izo ingwate azifiteho 50%, asoza asaba ko INGABIRE yagira ibyo asubizwa yagombaga na GT Bank.
(8) Urukiko rusanga ikiregerwa ari umwenda ukomoka ku masezerano y’inguzanyo GT Bank yagiranye na FIECO Ltd kuwa 11/10/2011 nyuma iza guhabwa umwenda w’ingoboka kuwa 11/10/2011 na kuwa 03/04/2012 yishingiwe na KAREMANGINGO Gonzalve na INGABIRE Carine. Rusanga INGABIRE Carine avuga ko inguzanyo yo kuwa 03/04/2012 ari ntaho ahuriye nayo cyane ko kuwa 04/01/2012 yari yandikiye FIECO Ltd na Bank irega ayiburira ko FIECO Ltd ifite imyitwarere n’imicungire mibi byashoboraga guteza Bank igihombo ariko ntiyagira icyo ibikoraho ahubwo ikaba yaramushora mu xxxxx xxxxx yarayiburiye xxxxx xxx yo mpamvu itagomba kumurega cyane ko FIECO Ltd yavuze ko atari umunyamigabane. Me MUNYESHEMA avuga ko umwenda utishyuwe kubera ko amasoko bari bahawe atagenze neza asaba ko Bank igaragaza umwenda nyawo n’inyungu z’ubukererwe zigahagarara kubera ko urega azi ikibazo bagize.
(9) Urukiko rusanga INGABIRE Carine yarishingiye FIECO Ltd nta gahato ashinzweho kandi kugeza ubu amasezerano y’ubwishingizi akaba xxxxxxxxxxx xxxxxxx xxxxx xxx yo mpamvu rero INGABIRE Carine
agomba kuregwa kugirango afatanya na KAREMANGINGO Gonzalve na FIECO Ltd nk’uko biteganywa n’ingingo ya ya 552 CCL III kwishyura umwenda yishingiye. Urukiko rusanga GT Bank iregera umwenda wa 498.050.274Frw ugaragazwa n’igishyushanyo mbonera cy’umenda cyo kuwa 31/12/2014 xxxxx xxx wo mwenda abaregwa bagomba kwishyura kubera kutubahiriza inshingano xxxx xx’uko biteganywa n’ingingo ya 64 y’itegeko N° 45/2011 ryo kuwa 25/11/2011 rigenga Amasezerano kubera ko ayo amasezerano yabaye itegeko ku mpande zombi.
2. Kumenya niba amafaranga y’ikurikirana rubanza n’igihembo cy’Avocat asabwa yatangwa
(10) Uburanira urega mu mwanzuro we asaba 500.000Frw yo gukurikirana urubanza n’igihembo cy’Avocat cya 3.000.000Frw. Urukiko rusanga kuba amasezerano y’iguriza atarubahirijwe ariyo mpamvu GT Bank Rwanda Ltd yashowe mu manza FIECO Ltd ifatanyije na KAREMANGINGO Gonzalve na INGABIRE Carine rero bagomba kuyisubiza amafaranga 800.000Frw y’ikurikirana rubanza n’igihembo cy’Avocat nk’uko biteganywa n’ingingo ya 258 CCL III ariko akaba agenewe mu bushishozi bw’Urukiko kubera ko ayo uburanira urega asaba ari ikirenga.
III. ICYEMEZO CY’URUKIKO
(11) Rwemeje ko ikirego cya GT Bank Rwanda Ltd gifite ishingiro.
(12) Rutegetse FIECO Ltd ifatanyije na KAREMANGINGO Gonzalve na INGABIRE Carine kwishyura urega amafaranga miliyoni Xxxxxx xxx mirongo icyenda n’umunani ibihumbi Xxxxxx xxxxx mirongo itanu
n’amafaranga Xxxxxx xxxxx mirongo irindwi na ane (498.850.274Frw) arimo umwenda, amafaranga y’ikurikirana rubanza n’igihembo cy’Avocat.
(13) Rutegetse abaregwa kwishyura amagarama y’urubanza.
NI UKO RUKIJIJWE KANDI RUSOMWE MU RUHAME. UMWANDITSI UMUCAMANZA
AKAYEZU X. Xxxxxxx MURIGIRWA Xxxxxx Sé Sé