ABAZUNGURA BA RUGUMIRE v. FINABANK

# ABAZUNGURA BA RUGUMIRE v. FINABANK

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2012-11-30 - Case/document no.: RCOMA 0099/10/CS - Collection: Supreme Court

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ABAZUNGURA BA RUGUMIRE v. FINABANK [Rwanda URUKIKO RW’IKIRENGA – RCOMA 0099/10/CS (Nyirinkwaya, P.J., Mukandamage na Munyangeri, J.) 30 November 2012] Amategeko agenga amasezerano y’ubwishingire – Amasezerano y’ubwishingire n’ay’ingwate – Agaciro k’ayo masezerano – Amasezerano y’ubwishingire n’ingwate ntiyahabwa agaciro mu gihe atashyizwe ho umukono n’umwe mu bayagize mw’izina rye bwite nubwo yashyizwe ho umukono mw’izina ry’abazungura – Kuba umwe mu bagize amasezerano y’ubwishingire yarahawe icyemezo n’urukiko cyo gucunga umutungo w’umuryango ntabubasha yari afite bwo kuwutanga ho ingwate atahawe ububasha n’urukiko – Kuba umutungo wari muri indivision kandi hatagaragara uruhare rw’uwishingiye, urukiko ntirwakwemeza ko umwe mu bagize amasezerano y’ubwishingire yatanze ingwate ku gice kitarenze uruhare rwe – Igitabo cya mbere cy’urwunge rw’amategeko mbonezamubano, ingingo ya 349 Amasezerano y’ubwishingire n’ingwate – Ubujurire bwuririye ku bundi – Indishyi z’akababaro n’igihembo cy’Avoka – ntazo akwiye guhabwa kuko nta bisobanuro azitangira. – akwiye kuyahabwa kuko yakuruwe mu rubanza bitari ngombwa, anaburanirwa na avoka, ariko agahabwa 300.000 FRW mu bushishozi bwarwo – Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 9 – Incamake y’ikibazo: FINABANK yareze Ese Shamukiga mu Rukiko Rukuru rw’Ubucuruzi isaba ko yakwishyura umwenda iyibereyemo bafatanyije n’abishingizi bayo aribo Kayirangwa Claire n’abazungura ba Rugumire Francois Xavier. Abana ba Rugumire Francois na Mukabagire Jeanne aribo Rugumire Thierry na Gumira Patrick bagobotse mu rubanza basaba ko amasezerano y’ubwishingizi n’ingwate Mukabagire Jeanne umubyeyi wabo yagiranye na FINABANK yateshwa agaciro kuko nta bubasha bari bafite bwo gutanga ingwate ku mutungo w’abazungura ba Rugumire bose batabyunvikanyeho.Urukiko rwategetse Ese Shamukiga guha FINABANK amafaranga angana na 103.793.953 Frws ifatanyije na Kayirangwa Claire hamwe n’abazungura ba Rugumire. Ku byerekeye amasazerano y’ingwate n’ubwishingire Mukabagire yagiranye na FINABANK yishingira Ese Shamukiga, abazungura ba Rugumire bavuga ko Mukabagire Jeanne umubyeyi wabo nta burenganzira busesuye yari afite ku mutungo yatanze ho ingwate kubera ko yari yemerewe gusa kuwucunga no kuwikenuramo, ntiyashoboraga gutanga ubwishingire n’ingwate ku mutungo uri muri indivision atabyemeranyijeho n’abo bawusangiye. Ku byerekeye imyiregurire ya Mukabagire, avuga ko amasezerano yagiranye na banki yateshwa agaciro kuko kuko yasinye atazi ibyo akora. Ku byerekeye imyiregurire Rugumire Thierry na Gumira Patrick y’uko Mukabagire Atari afite ububasha bwo gutanga ubwishingire n’ingwate ku mutungo w’abazungura ba Rugumire abazungura bose batabyemeranyijeho, urukiko ruvuga ko icyo yari abujijwe ari ugutanga ingwate igice kirenze icyabaye uruhare rwe ku mutungo wose w’abazungura. Kayirangwa Claire avuga ko ntaho bigaragara ko yishingiye Ese Shamukiga akaba asaba urukiko kwemeza ko umwenda uvugwa muri uru rubanza utamureba, anasaba ko FINABANK yamuha

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indishyi z’akababaro. Banki yo ikavuga ko izo ndishyi zidakwiye gutangwa kuko kayirangwa atagaragaza ko atishingiye Ese Shamukiga Charles. Incamake y’icyemezo: 1. Mu gihe nta kimenyetso cyerekana ko Mukabagire yatanze ubwishingire n’ingwate ku mutungo w’ abazungura ba Rugumire François abifitiye ububasha yahawe n’urukiko, amasezerano y’ubwishingire n’ingwate yakoranye na banki agomba guteshwa agaciro.Banki ikaba igomba kwirengera ingaruka zabyo kuko nk’umunyamwuga, ari nayo yateguye amasezerano yagombaga kureba niba asobanukiwe uburenganzira ahabwa n’amategeko, ikanasuzuma ububasha bwe. 2. Kuba Banki itagaragaza mu myanzuro yanditse no mu miburanire yayo, itariki n’uburyo ubwo bwishingire bwakozwemo, ikaba itagaragaza umukono we n’itariki yaba yarakoreweho, banki igomba gufatanya na Entreprise Shamukiga kwishyura umwenda ungana na 103.793.953 frw. Ubujurire bufite ishingiro. Amasezerano y’ubwishingire n’ingwate nta shingiro afite. Ubujurire bwuririye ku bundi bufite ishingiro. Amategeko yashingiweho Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 9, Igitabo cya mbere cy’urwunge rw’amategeko mbonezamubano, ingingo ya 349. Nta manza zifashishijwe Urubanza I. IMITERERE Y’URUBANZA [1] Nyuma yo kubona ko Entreprise Shamukiga ihagarariwe na Shamukiga Christophe itubahirije amasezerano y’inguzanyo bagiranye, Fina Bank yaregeye Urukiko Rukuru rw’Ubucuruzi isaba ko itegekwa ifatanyije n’abo yita abishingizi bayo aribo Kayirangwa Claire na Succession Rugumire François Xavier kwishyura umwenda n’inyungu iyibereyemo, Rugumire Thierry na Gumira Patrick, abana ba Rugumire François Xavier na Mukabagire Jeanne d’Arc bagoboka muri urwo rubanza basaba ko amasezerano y’ubwishingire n’ingwate (caution solidaire avec constitution d’hypothèque) Mukabagire Jeanne d’Arc yagiranye na Fina Bank kuwa 08/01/2004 yishingira Entreprise Shamukiga yateshwa agaciro ngo kuko nta bubasha yari afite bwo gutanga ingwate ku mutungo wa Succession Rugumire François Xavier abazungura bose batabyumvikanyeho. [2] Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza kuwa 17/09/2010, rwemeza ko ikirego cya Fina Bank gifite ishingiro, rutegeka Entreprise Shamukiga Charles guha Fina Bank

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103.793.953 frw y’umwenda iyibereyemo ifatanyije na Kayirangwa Claire, rutegeka na Succession Rugumire François Xavier gufatanya nabo kwishyura uwo mwenda ku kigero gikubiye mu masezerano y’ubwishingire n’ingwate yagiranye na Fina Bank. Bose kandi bategetswe guha Fina Bank 1.000.000 frw akubiyemo indishyi zo gushorwa mu rubanza nta mpamvu n’ iz’ibyatanzwe mu rubanza n’igihembo cy’avoka. [3] Ku byerekeranye n’imyiregurire ya Mukabagire Jeanne d’Arc y’uko amasezerano y’ubwishingire n’ingwate yagiranye na Fina Bank agomba guteshwa agaciro kuko yayasinye atazi ibyo akora, Urukiko Rukuru rw’Ubucuruzi rwavuze ko nta kimenyetso yagaragaje cy’uko igihe yasinyaga ayo masezerano nta bwenge buzima yari afite kugira ngo bigaragare koko ko atari azi ibyo akora. [4] Ku byerekeranye n’imyiregurire ya Rugumire Thierry na Gumira Patrick y’uko nta bubasha Mukabagire Jeanne d’Arc yari afite bwo gutanga ubwishingire n’ingwate ku mutungo wa Succession Rugumire François Xavier abazungura bose batabyumvikanyeho, Urukiko Rukuru rw’Ubucuruzi rwavuze ko icyo yari abujijwe ari ugutangaho ingwate igice kirenze icyakabaye uruhare rwe ku mutungo wose w’abazungura ba Rugumire Francois Xavier atabyemerewe n’abandi bazungura, kandi ko batagaragaza ko ikigero cy’umwenda yishingiye kirenze uruhare rwe muri uwo mutungo. [5] Urukiko Rukuru rw’Ubucuruzi rwavuze kandi ko niyo byafatwa ko umutungo Mukabagire Jeanne d’Arc yatanzeho ingwate ari uwo yagombaga gucungira abazungura ba Rugumire Francois Xavier, kuba amasezerano yarakozwe kuwa 08/01/2004, umwenda ugatangwa, ugakoreshwa ndetse ukagera n’aho utishyurwa, ari Mukabagire Jeanne d’Arc, ari n’abana be, hakaba nta n’umwe ugaragaza ko atishimiye ayo masezerano cyangwa ngo agire icyo ayakemangaho ngo anayasabire iseswa, kuba kandi bataragaragaje ikimenyetso kigaragaza ko batashoboraga guhura cyangwa gushyikirana byari gutuma atababwira icyo gikorwa yakoze, nyuma y’aho Fina Bank ireze akaba aribwo basaba ko ayo masezerano ateshwa agaciro, ari ikimenyetso gituma rudashobora kwemeza ko Rugumire Thierry na Gumira Patrick batari bayazi [6] Succession Rugumire François Xavier ihagarariwe na Mukabagire Jeanne d’Arc ku ruhande rumwe, Rugumire Thierry na Gumira Patrick ku rundi ruhande bajuririye urwo rubanza mu Rukiko rw’Ikirenga bavuga ko Urukiko Rukuru rw’Ubucuruzi rwirengagije imyiregurire yabo. [7] Urubanza nyuma yo kugenda rusubikwa ku mpamvu zinyuranye, ndetse kuwa 11/09/2012 Shamukiga Christophe agategekwa gutanga ihazabu mbonezamubano kubera gutinza urubanza ku bushake, rwaburanishijwe mu ruhame kuwa 23/10/2012, Succession Rugumire Francois Xavier mw’izina rya Mukabagire Jeanne d’Arc ihagarariwe na Me Rwabukumba Mussa na Me Nkubayingoga Sam, Rugumire Thierry na Gumira Patrick ku giti cyabo bahagarariwe na Me Buzayire Angèle, Entreprise Shamukiga na Kayirangwa Claire bahagarariwe na Me Nzirabatinyi Fidèle, Fina Bank ihagarariwe na Me Kabagambe Joël.

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II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA A) Kumenya niba amasezerano y’ubwishingire n’ingwate Mukabagire Jeanne d’Arc yagiranye na Fina Bank yishingira Entreprise Shamukiga yateshwa agaciro. [8] Uwunganira Rugumire Thierry na Gumira Patrick avuga ko Urukiko Rukuru rw’Ubucuruzi rwemeje ko Mukabagire Jeanne d’Arc ari umuzungura wa Rugumire François Xavier rushingiye ku cyemezo cy’Akarere ka Kicukiro cyo kuwa 18/03/2002, ariko rwirengagije ingingo za 66 na 70 z’itegeko ryuzuza Igitabo cya mbere cy’urwunge rw’amategeko mbonezamubano mu gice kijyanye n’imicungire y’umutungo w’abashyingiranywe zerekana ko Mukabagire Jeanne d’Arc yari yemerewe gusa kuwucunga no kuwikenuzamo, akaba nta burenganzira busesuye yari afite ku mutungo yatanzeho ingwate. [9] Avuga kandi ko ingingo ya 530 y’Igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano ivuga ko ‘’ ubutumwa (mandat) butanzwe mu buryo bwa rusange burebana gusa n’ibikorwa byo gucunga’’, ndetse ko ’’iyo hari ibikorwa byerekeye guhara ikintu cyangwa gutanga ingwate ku bintu bitimukanwa, cyangwa ikindi gikorwa cyemerewe nyir’ibintu gusa, amasezerano y’ubutumwa agomba kubigaragaza ku buryo bweruye’’, ishimangira ko ubutumwa Mukabagire Jeanne d’Arc yahawe n’Urukiko rwa Mbere rw’Iremezo rwa Kigali kuwa 24/12/1996 ari ubwo gucunga gusa umutungo wa Succession Rugumire François Xavier. [10] Abunganira Mukabagire Jeanne d’Arc bavuga ko Urukiko Rukuru rw’Ubucuruzi rwirengagije ko uburenganzira ku mutungo wa Succession Rugumire François Xavier yari yarahawe n’Urukiko rwa Mbere rw’Iremezo rwa Kigali bugarukira gusa ku kuwucunga, akaba yarasinye yibeshye ku bubasha yari afite, Fina Bank ibigizemo uruhare nk’umunyamwuga (professionnel) kuko itamuhaye ibisobanuro bikwiye. [11] Abunganira Mukabagire Jeanne d’Arc hamwe n’uwunganira Rugumire Thierry na Gumira Patrick bavuga nanone ko Urukiko Rukuru rw’Ubucuruzi mu kwemeza ko Mukabagire Jeanne d’Arc yashoboraga gutangaho ingwate umutungo w’abazungura ba Rugumire ku gice kitarenze uruhare rwe muri uwo mutungo, rwasesenguye nabi ingingo rwashingiyeho ya 32 y’Igitabo cya kabiri cy’urwunge rw’amategeko mbonezamubano kuko iyo ngingo ivuga ko ‘’nta n’umwe mu basangiye ikintu ushobora, abandi batabyemeye, guhindura icyo cyagenewe cyangwa kukigerekaho ubundi burenganzira burenze ubw’uruhare agifiteho’’, ikaba yumvikanisha ko niyo Mukabagire yaba umuzungura wa Rugumire François Xavier, atashoboraga gutanga ubwishingire n’ingwate ku mutungo uri muri ‘’indivision" atabyemeranyijeho n’abo bawusangiye. [12] Basobanura ko nta na hamwe Urukiko Rukuru rw’Ubucuruzi rwerekanye ko Rugumire Thierry na Gumira Patrick bigeze bemera ibijyanye n’amasezerano y’ubwishingire n’ingwate yabaye hagati ya Mukabagire Jeanne d’Arc na Fina Bank, kuvuga nk’uko urwo rukiko rwabikoze ko batigeze barega berekana ko nyina yarengereye ububasha bwe akaba ari ukwirengagiza imyiregurire yabo ko batigeze bamenya iby’ayo masezerano kugira ngo bayasabire guseswa, cyangwa bayatambamire. [13] Basoza bavuga ko Urukiko Rukuru rw’Ubucuruzi rwitiranyije mu cyemezo cyarwo inzu ya Succession Rugumire iri Kicukiro yatanzweho ingwate mu masezerano Mukabagire Jeanne d’Arc yagiranye na Fina Bank kuwa 15/04/2002 atarebana n’uru rubanza, n’inzu n°1756 iri i

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Nyamirambo ivugwa mu masezerano Mukabagire yagiranye na Fina Bank kuwa 08/01/2004 aburanwa muri uru rubanza, bakaba basaba Urukiko kubikosora. [14] Uburanira Entreprise Shamukiga Charles avuga ko niba Mukabagire Jeanne d’Arc yarasabwe kuyishingira mw’izina rya Succession Rugumire François Xavier, ibijyanye n’imihango yagombaga kubahirizwa kugira ngo ubwo bwishingire bwuzure kandi bugire agaciro byarasabwaga mbere na mbere Fina Bank kuko ariyo yateguye amasezerano ikamusaba ibikenewe byose kugira ngo itange umwenda itekanye. [15] Ku ruhande rwa Fina Bank, Me Gatera Gashabana, mu mwanzuro we wanditse wo kuwa 25/10/2011 usubiza uw’abajuriye, avuga ko ubujurire bwa Mukabagire Jeanne d’Arc kimwe n’ubwa Rugumire Thierry na Gumira Patrick ntacyo bushingiyeho mu mategeko kuko Mukabagire Jeanne d’Arc yari asangiye n’umugabo we umutungo yatanzeho ingwate, Me Kabagambe Joël wayiburaniye mu rukiko we akavuga ko Urukiko rwasuzuma ibikubiye mu mwanzuro wanditse wa Me Gatera Gashabana, naho kubijyanye n’ikosa ryaba ryarabaye ryo kwitiranya ingwate, akavuga ko umucamanza yagendeye kubyo yahawe muri dosiye, ko nta kosa yakoze. Uko Urukiko rubibona [16] Urukiko rusanga, nk’uko inyandiko ziri muri dosiye zibigaragaza, amasezerano yo kuwa 08/01/20041 avugwa muri uru rubanza arebana n’ingwate y’inzu iri mu kibanza nº 1756 i Nyamirambo mu Mujyi wa Kigali, atarebana n’inzu n° 1676 iri Kicukiro ivugwa mu nyandiko yiswe « icyemezo cy’ubuzungure » cyatanzwe n’Ubuyobozi bw’Akarere ka Kicukiro kuwa 18/03/2002, bityo icyo cyemezo cyashingiweho n’Urukiko Rukuru mu kwemeza ko Mukabagire Jeanne d’Arc ari umuzungura wa Rugumire François Xavier1 kibaba nta gaciro kigomba guhabwa muri uru rubanza. [17] Kubyerekeye no kumenya niba amasezerano y’ubwishingire n’ingwate avugwa muri uru rubanza agomba guteshwa agaciro, ikigaragarira Urukiko n’uko ayo masezerano atashyizweho umukono na Mukabagire Jeanne d’Arc mw’izina rye bwite, ahubwo yayasinye mw’izina rya Succession Rugumire François Xavier, hakaba rero hagomba kurebwa niba yari abifitiye ububasha. [18] Urukiko rusanga uburenganzira Mukabagire Jeanne d’Arc yahawe n’urwahoze ari Urukiko rwa Mbere rw’Iremezo rwa Kigali mu cyemezo n° 965/i.j.b/96 cyo kuwa 24/12/1996 ari ubwo gucunga umutungo wa Succession Rugumire François Xavier urimo n’inzu iri mu kibanza nº 1756 i Nyamirambo yatanzweho ingwate hashingiwe ku ngingo ya 349 y’Igitabo cya mbere cy’urwunge rw’amategeko mbonezamubano ivuga ko ‘’ububasha bwa kibyeyi bugizwe cyane cyane n'uburenganzira bwo kumenya umwana, kumucungira umutungo no kwikenuza 1 1 Reba imiburanire mu Rukiko Rukuru rw’Ubucuruzi ya Me Gatera Gashababa ku rupapuro rwa 2 aho avuga ko kuwa 08/01/2004 habaye constitution d’hypothèque hagati ya Entreprise Shamukiga, Fina Bank na Succession Rugumire François Xavier. 2 Reba agace ka 12 k’urubanza RCOM 0216/09/HCC aho Urukiko ruvuga ko Mukabagire Jeanne d’Arc ari umuzunguea wa Rugumire François Xavier nkuko bigaragazwa n’icyemezo cy’ubuzungure cyatanzwe n’umuyobozi w’Akarere ka Kicukiro kuwa 18/03/2002.

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ibiwukomokaho’’, bivuze ko uwo mutungo atashoboraga kuwutangaho ingwate atabiherewe ububasha n’Urukiko hakurikijwe ingingo ya 353 y’icyo gitabo ivuga ko“gutanga, kugurisha cyangwa kugwatiriza ibintu by'umwana ku buryo bigabanura umutungo we, ntibishobora gukorwa nta ruhusa rw'urukiko”. [19] Urukiko rusanga kandi niba Mukabagire Jeanne d’Arc yaba yarakomeje gucunga umutungo wa Succession Rugumire François Xavier nyuma y’uko abana be bageze ku myaka y’ubukure ariko nta bundi burenganzira bamuhaye, hakwiye gukurikizwa ingingo ya 530 y’Igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano ivuga ko ‘’ ubutumwa butanzwe mu buryo bwa rusange burebana gusa n’ibikorwa byo gucunga’’, iyi ngingo nayo ikaba yumvikanisha ko atashoboraga kuwutangaho ubwishingire n’ingwate atabyumvikanyeho n’abana be. [20] Urukiko rusanga kandi niyo Mukabagire Jeanne d’Arc yaba afite uruhare ku mutungo wa Succession Rugumire François Xavier nk’uko Fina Bank ibiburanisha , mu gihe nta cyerekana icyakabaye uruhare rwe, ntaho rwahera rwemeza ko yatanze ubwishingire n’ingwate ku gice kitarenze uruhare rwe, cyane ko umutungo wa Succession Rugumire François Xavier wari ukiri muri ‘’indivision’’ igihe yashyiraga umukono kuri ayo masezerano. [21] Urukiko rusanga rero mu gihe nta kimenyetso Fina Bank itanga cyerekana ko Mukabagire Jeanne d’Arc yatanze ubwishingire n’ingwate ku mutungo wa Succession Rugumire François Xavier abifitiye ububasha, ni ukuvuga yarabiherewe uburenganzira n’Urukiko cyangwa n’abana be ubwabo aho bakuriye, icyemezo cy’Urukiko Rukuru rw’Ubucuruzi kivuga ko amasezerano atateshwa agaciro kuko abana be bagobotse muri uru rubanza batayasabiye iseswa mbere y’uko Fina Bank itanga ikirego, kigomba kuvaho kuko atari bo bagomba gutanga ikimenyetso ko batamenye ariya masezerano ahubwo usaba ko ashyirwa mu bikorwa niwe ugomba kugaragaza ko bari bayazi. [22] Urukiko rusanga rero amasezerano y’ubwishingire n’ingwate Mukabagire Jeanne d’Arc yagiranye na Fina Bank agomba guteshwa agaciro kuko yayakoze nta bubasha abifitiye, Fina Bank ikaba igomba kwirengera ingaruka zabyo kuko nk’umunyamwuga, ari nayo yateguye amasezerano yagombaga kureba niba asobanukiwe uburenganzira ahabwa n’amategeko, ikanasuzuma ububasha bwe. B) Ku bijyanye n’ubujurire bwuririye ku bundi bwa Kayirangwa Claire. [23] Uburanira Kayirangwa Claire avuga ko ureste ibishingiwe ku kindi kimenyetso cyaba kitari mu masezerano, ntaho bigaragara ko yishingiye Entreprise Shamukiga Charles, akaba yuririye ku bujurire bw’abarega mu bujurire asaba Urukiko kwemeza ko umwenda uvugwa muri uru rubanza utamureba, no gutegeka Fina Bank kwishyura 5.000.000 frw y’indishyi z’akababaro na 500.000 frw y’igihembo cy’avoka. [24] Uburanira Fina Bank avuga ko izo ndishyi zidakwiye gutangwa kuko Kayirangwa Claire atagaragaza ko atishingiye Entreprise Shamukiga Charles. [25] Urukiko rusanga usibye kuvuga ko Kayirangwa Claire yishingiye Entreprise Shamukiga Charles, Fina Bank itagaragaza, haba mu myanzuro yanditse, haba mu miburanire yayo, itariki n’uburyo ubwo bwishingire bwakozwemo, muri dosiye naho inyandiko irimo yitirirwa

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Kayirangwa Claire ikaba itagaragaza umukono we n’itariki yaba yarakoreweho, bityo icyemezo cy’Urukiko Rukuru rw’Ubucuruzi kivuga ko agomba gufatanya na Entreprise Shamukiga kwishyura umwenda wa 103.793.953 frw kikaba kigomba kuvanwaho hashingiwe ku ngingo ya 9 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi ivuga ko ‘’urega agomba kugaragaza ibimenyetso by’ibyo aregera. Iyo abibuze aratsindwa’’. [26] Ku byerekeye indishyi z’akababaro Kayirangwa Claire asaba, Urukiko rusanga ntazo akwiye guhabwa kuko nta bisobanuro azitangira. [27] Ku byerekeye amafranga y’ikurikirana rubanza n‘igihembo cya avoka, Urukiko rusanga akwiye kuyahabwa kuko yakuruwe mu rubanza bitari ngombwa, anaburanirwa na avoka, ariko agahabwa 300.000 FRW mu bushishozi bwarwo kuko 500.000 FRW asaba ari ikirenga. C) Ku bijyanye n’ubujurire bwuririye ku bundi bwa Fina Bank. [28] Me Gatera Gashabana mu mwanzuro we wanditse avuga ko Fina Bank yuririye ku bujurire bw’abarega isaba kwishyurwa 2.115.633 frw y’umwenda uko ubazwe kugeza kuwa 25/10/2011, inyungu za 18% ku mwaka kuva amasezerano ashyizweho umukono kugeza yishyuwe na 1.000.000 frw y’ikurikirana rubanza. [29] Uburanira Entreprise Shamukiga avuga ko Urukiko Rukuru rw’Ubucuruzi rwavuze ku byasabwe byose, rukora imibare, rwemeza amafaranga agomba kwishyurwa, akaba asanga nta yandi mafaranga Fina Bank ikwiye kwishyurwa. [30] Urukiko rusanga amafaranga yose Fina Bank yaregeye mu rwego rwa mbere yarayahawe, nta yandi mafaranga Entreprise Shamukiga yategekwa kwishyura ku bijyanye n’uru rubanza kubera ko nta kimenyetso iyagaragariza. III. ICYEMEZO CY’URUKIKO [31] Rwemeje ko ubujurire bwa Succession Rugumire François Xavier ihagarariwe na Mukabagire Jeanne d’Arc n’ ubwa Rugumire Thierry na Gumira Patrick bufite ishingiro. [32] Rwemeje ko amasezerano y’ubwishingire n’ingwate Mukabagire Jeanne d‘Arc mw’izina rya Succession Rugumire François Xavier yagiranye na Fina Bank yishingira Entreprise Shamukiga nta gaciro afite. [33] Rwemeje ko ubujurire bwuririye ku bundi bwa Kayirangwa Claire bufite ishingiro. [34] Rwemeje ko nta kigaragaza ko yishingiye umwenda wa Entreprise Shamukiga Charles ukurikiranwa muri uru rubanza. [35] Rutegetse Fina Bank guha Kayirangwa Claire 300.000 frw y’ikurikirana rubanza n’igihembo cy’avoka. [36] Rwemeje ko ubujurire bwuririye ku bundi bwa Fina Bank nta shingiro bufite.

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[37] Rutegetse Entreprise Shamukiga Charles kwishyura yonyine amafaranga yategetswe mu rwego rwa mbere, ni ukuvuga 103.793.953 frw y’umwenda na 1.000.000 frw y‘indishyi. [38] Rutegetse Shamukiga Christophe ku giti cye kwishyura 150.000 FRW y‘ihazabu mbonezamubano yategetswe n’uru rukiko kuwa 11/09/2012 kubera gutinza urubanza ku bushake, atayishyura mu gihe cy’iminsi umunani, ayo mafaranga akavanwa mu bye ku ngufu za Leta. [39] Rutegetse Entreprise Shamukiga Charles kwishyura amagarama y’urubanza mu rwego rwa mbere angana na 17.700 frw. [40] Rutegetse Fina Bank kwishyura amagarama y’urubanza muri uru rukiko angana na 22.600 frw.