AKAGERA TRAVEL & TOURS SARL v. GT BANK (RWANDA) Ltd (ex-FINA BANK RWANDA Ltd)

# AKAGERA TRAVEL & TOURS SARL v. GT BANK (RWANDA) Ltd (ex-FINA BANK RWANDA Ltd)

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2014-04-08 - Case/document no.: RCOMA 0076/12/CS - Collection: Supreme Court

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AKAGERA TRAVEL & TOURS SARL v. GT BANK (RWANDA) Ltd (ex-FINA BANK RWANDA Ltd) [Rwanda URUKIKO RW’IKIRENGA – RCOMA 0076/12/CS (Rugege, P.J, Ngagi na Nyirandabaruta, J.) 8 Mata 2014] Amategeko agenga imiburanishirize y’imanza z’ubucuru – Kugaragaza ikiregerwa – Urega ni we ugomba kugaragaza ibiminyetso by’ibyo aregera yabibura uwarezwe agatsinda; kKuba rero yarandikiwe igaragarizwa umwenda ubu ndetse ikaba iwemera ariko ntigaragaze ingano y’uwo mwenda yemera kandi akaba atari inshingano zy’urukiko gukorera umuburanyi imibare yagombye kuba yarikoreye byumvikanisha ko igomba gutsindwa kandi singombwa kwemererwa kwishakiragushaka umuhanga igihe atavuguruza umwenda yishyuzwa (expert) kuko byaba ari ugutinza urubanza bitari ngomba – Itegeko N° 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 9. Amategeko agenga imiburanishirize y’imanza z’ubucuruzi – Kugaragaza ikiregerwa – Kuba yishyuza inyungu nyamara ntazigaragaze byumvikanisha ko itagaragaza ibyo iregera – Itegeko N° 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 9. Indishyi – Kuzanwa mu rubanza nta mpamvu – Ntiyazihabwa kuko kujuririra urubanza atishimiye ari uburenganzire bwe. Agenewe ariko igihembo cy’Avoka kuko yashatse umuburanira. Incamake y’ikibazo: FINA BANK RWANDA Ltd (ubu yitwa G.T Bank) yagiranye amasezerano y’inguzanyo na AKAGERA TRAVEL & TOURS. AKAGERA TRAVEL & TOURS ntiyubahirije amasezerano bituma FINA BANK RWANDA iyiregana n’abishingizi b’umwenda mu Rukiko rw’Ubucuruzi isaba kwishyurwa umwenda ungana na 98.361.611 Frw n’inyungu z’ayo mafaranga zakomeza yasabaga ko zakomeza kubarwa kugera umwenda urangije kwishyurwa wose wishyuwe. Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza rwemeza ko AKAGERA TRAVEL & TOURS SARL ifatanya n’abo bishingizi bari bishingiye ku buryo bw’ubufatanye bw’umwenda (caution solidaire et indivisible) kwishyura FINA BANK RWANDA Ltd umwenda wose ungana na 98.361.611 Frw no kwishyura umusogongero wa Leta ungana na 3.934.464 Frw. AKAGERA TRAVEL & TOURS SARL yajuririye urubanza ivuga ko yemera umwenda ariko ikaba aitarashimishijwe n’uburyo wabazwemo. Yasabaga Urukiko kwemeza umwenda nyakuri byanashoboka hagashyirwaho umuhanga mu kuwubara. GT Bank yo yasubije ko niba AKAGERA TRAVEL & TOURS SARL yemera umwenda, yakwerekana ingano yawo ndetse n’uwo yishyuye, anongeraho ko basanga umuhanga (expert) atari ngombwa. Yasoje asaba ko inyungu zakomeza kubarwa kugeza icyemezo mu bujurire gifashwe. Incamake y’icyemezo: 1. Urega agomba kugaragaza ibiminyetso by’ibyo aregera yabibura uwarezwe agatsinda kandi uvuga ko icyo yategekwaga gukora cyagaragajwe n’ibimenyetso

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atagitegetswe kugikora agomba kugaragaza impamvu zakimukuyeho yabiburira ibimenyetso uwo baburana akamutsinda. Bityo rero AKAGERA TRAVEL & TOURS SARL igomba gutsindwa kuko GT Bank yayandikiye iyimenyesha uko umwenda uteye ntigire icyo ikora iweemera cyangwa iwuhakana iyo ikaba kandi kandi n’ubwo ubu iweemera, itantigaragaza ingano igomba kwishyura nyamaraA kandi si atari inshingano y’urukiko kumukorera imibare yagombye kuba yarakoze ubwe. Nta n’impamvu kandi yatuma yemererwa kwishyiriraho umuhanga (Expert) wo gusuzuma ingano y’uwo mwenda, mu gihe itavuguruza umwenda yishyuzwa kuko byaba ari ugutinza urubanza bitari ngombwa. 2. Urega agomba kugaragaza ibimenyetso by’ibyo aregera. Kuba rero GT Bank yarareze yishyuza umwenda wa 98.361.611 Frw n’inyungu zaywo nyamara ntigaragaze izo nyungu nyamara kandi urukiko Atari rwoakaba atari Urukiko rugomba kumenyera ababuranyi ibyo basaba ngo runabifateho ciyemezo, byerekana igaragza ko itagaragaza ibyo iregera bityo ikaba igomba gutsindwa. 3. GT BANK Ltd ntiyahabwa indishyi zo kuzanwa mu rubanza ku maherere iregera kuko ari uburenganzira bw’umuburanyi bwo kujuririra urubanza yatsinzwe mu gihe atarwishimiye. Agomba ariko guhabwa amafaranga y’igihembo cy’Avoka kuko kuregera inkiko byatewe n’uko AKAGERA TRAVEL & TOURS SARL itubahirije amasezerano bigatuma ishaka uyiburanira. Bityo igenewe 500 000 Frw. Ubujurire nta shingiro bufite. Ubujurire bwiririye ku bundi bufite ishingiro kuri bimwe. Urubanza ruhindutse gusa ku bijyanye n’amafarangaAKAGERA TRAVEL & TOURS SARL igomba kwishyura GT BANK (RWANDA) Ltd. AKAGERA TRAVEL & TOURS SARL itegetswe kwishyura GT BANK (RWANDA) Ltd umwenda hiyongereyeho igihembo cy’Avoka. AKAGERA TRAVEL & TOURS SARL itegetswe kwishyura amagarama y’urubanza. Amategeko yashingiweho: Itegeko N° 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 9. Nta manza zifashishijwe Urubanza I. IMITERERE Y’URUBANZA [1] Uru rubanza rukomoka ku masezerano atandukanye y’inguzanyo y’imyenda FINA BANK RWANDA Ltd (yahoze yitwa BACAR SA ubu ikaba yitwa GT BANK (RWANDA)Ltd1) yahaye AKAGERA TRAVEL & TOURS SARL yishingiwe na Mukasano 1Guaranty Trust Bank Rwanda Limited

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Judith na REICHERT REINOHOLD mu buryo bw’ubufatanye bw’umwenda (caution solidaire et indivisible). [2] AKAGERA TRAVEL & TOURS SARL ntiyubahirije ibyo bumvikanye mu masezerano y’inguzanyo bituma FINA BANK RWANDA Ltd iyirega mu Rukiko Rukuru rw’Ubucuruzi hamwe n’abishingizi bayo aribo Mukasano Judith na REICHERT REINOHOLD iregera kwishyurwa umwenda ungana na 98.361.611 Frw n’inyungu zawo zikomeza kubarwa kugeza barangije kwishyura umwenda wose. [3] Muri urwo rukiko iburanisha ryabaye abahagarariye AKAGERA TRAVEL & TOURS SARL na FINA BANK RWANDA Ltd aribo bitabye, naho Mukasano Judith na REICHERT REINOHOLD baburanishwa badahari, maze ku wa 22/03/2012, Urukiko Rukuru rw’Ubucuruzi ruca urubanza No RCOM 0039/11/HCC, rwemeza ko AKAGERA TRAVEL & TOURS SARL ifatanya na Mukasano Judith na Reichert Reinohold kwishyura FINA BANK RWANDA Ltd umwenda wose ungana na 98.361.611 Frw no kwishyura umusogongero wa Leta ungana na 3.934.464 Frw. [4] AKAGERA TRAVEL & TOURS SARL ntiyishimiye imikirize y’urubanza, irujuririra mu Rukiko rw’Ikirenga ivuga ko bemera amasezerano y’umwenda ahubwo ikibazo kikaba cyaravutse mu ibarwa ry’imyenda kuko bemera umwenda bafashe mu byiciro bitatu, bakaba basaba Urukiko ko rwareba umwenda nyakuri byaba ngombwa hagashyirwaho umuhanga wasuzuma iby’iyo myenda. [5] Uhagarariye GT BANK (RWANDA) Ltd yahoze ari FINA BANK RWANDA Ltd avuga ko AKAGERA TRAVEL & TOURS SARL yemera ko yafashe umwenda ikemera n’amasezerano ikibazo kikaba kiri ku mibare, ko AKAGERA TRAVEL & TOURS SARL yakwerekana umwenda yafashe ndetse n’uwo yishyuye akaba aribyo biburanwaho, ko « Expertise » basanga itari ngombwa, asaba ko inyungu zakomezwa kubarwa kugeza hafashwe icyemezo ku rwego rw’ubujurire. [6] Iburanisha ryabaye ku wa 01/03/2016 ababuranyi bose bitabye, AKAGERA TRAVEL & TOURS SARL ihagarariwe na Me NZIRABATINYI Fidèle naho GT BANK (RWANDA) Ltd ihagarariwe na Me Rusanganwa J.Bosco. II. IBIBAZO BIRI MU RUBANZA N’ISESENGURWA RYABYO A. Ubujurire bwa AKAGERA TRAVEL & TOURS SARL Kumenya niba ari ngombwa ko urukiko rugena ingano y’umwenda AKAGERA TRAVEL & TOURS SARL igomba kwishyura GT BANK (RWANDA)Ltd [7] [7]. Me Nzirabatinya Fidèle avuga ko kubera ko badashaka kurushya Urukiko hariho ibyo bari bureke mu bujurire bwabo, ko Mukasano Judith na Reichert Reinohold batashoboye gukurikirana “operations” za banki ko zakurikiranywe n’abakozi bigatuma hazamo kujijwa ndetse no ku rwego rwa Banki naho hakaba harabayemo kujijwa bitewe n’imihindukire y’abakozi bayo kuko Banki yahindutse inshuro eshatu. Avuga na none ko ku rwego rwa mbere Urukiko rwumvise ibintu uko bitari, ko ariko yaje kuvugana na AKAGERA TRAVEL & TOURS SARL bakamubwira ko bemera amasezerano bashyizeho umukono akomoka ku muntu

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witwa Kajuga Jean Wiclif wagurishije inzu AKAGERA TRAVEL & TOURS SARL ariko akaba yari asanzwe ari umukiriya (client) wa FINA BANK RWANDA Ltd, ko aho ariho hakomoka amasezerano yo ku wa 12/01/2009, AKAGERA TRAVEL & TOURS SARL yagiranye na FINA BANK RWANDA Ltd y’inguzanyo yahawe ya 68.000.000 Frw; ko nyuma yuko ihawe uwo mwenda yahise ikora « rachat » y’umwenda wa KAJUGA Wiclif, bituma haba andi masezerano yo ku wa 04/06/2009 aho AKAGERA TRAVEL & TOURS SARL yahawe undi mwenda wa 5.000.000 Frw yo kugura ibikoresho, maze bumvikana na FINA BANK RWANDA Ltd guhuza uwo mwenda (consolidation) n’uwo yari yahawe mbere bihwana n’umwenda wa 70.333.000 Frw (ukubiyemo « crédit hypothécaire» na «crédit équipement») bakumvikana n’uburyo uwo mwenda uzajya wishyurwa. [8] Me Nzirabatinya Fidèle akomeza avuga ko undi mwenda wa kabiri nawo ufite amasezerano yawo yakozwe ku wa 28/01/2010, ukaba ukomoka ku mafaranga AKAGERA TRAVEL &TOURS SARL yagurijwe na FINA BANK RWANDA Ltd ishaka kwishyura Rwanda Revenue Authority (RRA) ahwanye na 5.500.000 Frw. [9] Yakomeje avuga ko urujijo rwatewe n’amabaruwa abiri FINA BANK RWANDA Ltd yandikiye AKAGERA TRAVEL &TOURS SARL, yashyikirijwe n’Urukiko, iyo ku wa 06/05/2010 FINA BANK RWANDA Ltd yandikiye AKAGERA TRAVEL & TOURS SARL ivuga ko hari 28.505.837 Frw “en principal et en intérêts échus et non remboursés” akomoka ku mwenda wa 75.833.000 Frw, ko kandi hari na “solde débiteur” ya 6.653.598 Frw akomoka ku nguzanyo ya 5.000.000 Frw, n’iyo ku wa 05/08/2010 ya “mise en demeure” yavugaga ko umwenda ukomoka ku nguzanyo AKAGERA TRAVEL &TOURS SARL yahawe igura inzu ugeze kuri 85.361.611 Frw ni ukuvuga imyenda yahujwe, na 6.247.732 Frw hakanavugwamo kandi 7.003.631 Frw, ko asanga iby’ayo mafaranga agaragara mu mabaruwa ariyo yateje urujijo kuko bigaragara ko FINA BANK RWANDA Ltd imeze nkiregeye imyenda ine. Yakomeje avuga ko urujijo rwiyongereye aho aboneye “historique” kuko za konti zahujwe 68.000.000 Frw yateranyijwe na 5.000.000 Frw ifite “solde” ya 8.423.153 Frw mu gihe indi “historique” igendeye ku masezerano ya 5.500.000 Frw yo igaragaza “Solde” ya 842.151 Frw. [10] Me Nzirabatinya Fidèle yasoje avuga ko asanga nta zindi mpamvu z’ubujurire zikwiriye kurushya Urukiko rw’Ikirenga, ko ibyo basaba ari uko rwabarebera umwenda nyakuri AKAGERA TRAVEL &TOURS SARL kabereyemo GT BANK (RWANDA) Ltd, kandi ko Urukiko rubibemereye bashyiraho umuhanga/expert wababarira ayo mafaranga ikibazo kikarangira. [11] Me Rusanganwa Jean Bosco avuga ko AKAGERA TRAVEL & TOURS SARL yemera umwenda n’amasezerano, ikibazo bafite akaba ari ikijyanye n’imibare, bakaba basanga ku ruhande rwabo ibimenyetso batanze bihagije ku buryo umuhanga atari ngombwa, ko ahubwo uwemera umwenda akemera n’amasezerano yakwereka Urukiko umwenda yemera yafashe n’amafaranga yemera yishyuye noneho umuti w’ikibazo ugashakirwa aho ngaho. [12] Me Rusanganwa Jean Bosco yakomeje avuga ko Urukiko rubanza rwahaye AKAGERA TRAVEL & TOURS SARL umwanya wo gutegura kugira ngo igire icyo ivuga ku bimenyetso byatanzwe ntibikore, akaba yumva uwo muhanga ataza gukora akazi mu mwanya w’ababuranyi, ari nayo mpamvu asaba Urukiko rw’Ikirenga kwemeza ibyari byemejwe mu rubanza rujuririrwa. Naho ku bijyanye n’amabaruwa abiri (2) AKAGERA TRAVEL & TOURS SARL ivuga

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yatangaga integuza, avuga ko nta kuvuguruzanya kuyagaragaramo, ko ibaruwa yo ku wa 06/05/2010 ivuga gusa ibirarane bya 28.731.319.50 Frw bikomoka ku mwenda wa 75.733.000 Frw, ariko ko muri iyo baruwa batamubwiye « échéances » ziri imbere, naho ibaruwa yo mu kwezi kwa munani 2010 ikaba igaragaza aho umwenda wose ugeze, kandi ko ayo mabaruwa yose uwajuriye yari ayafite guhera 2010 nyamara akaba ntacyo yayavuzeho. [13] Me Rusanganwa Jean Bosco yabajijwe niba ikibazo ari icyo gusobanura ayo mabaruwa nabi cyangwa niba ari ugufata ibintu uko bitari, asubiza ko ibaruwa yo ku wa 06/05/2010 ivuga umwenda utishyuwe ungana na 28.000.000 Frw akaba ari amafaranga yakabaye yarishyuwe ku mwenda remezo (impayé principal et non remboursés” ku mwenda w’amafaranga 75.000.000 Frw bakaba batarigeze bamubwira umwenda usigaye kuri “échéances” ziri imbere, ko iyo baruwa itandukanye n’iyo mu kwezi kwa munani 2010 kubera ko iya nyuma ari “mise en demeure” ikubiyemo na “échéances” zitaragera, AKAGERA TRAVEL & TOURS SARL ikaba yarasabwe kwishyura umwenda wose izo “échéances” zitaragera zabazwe kugeza ku wa 30/05/2014 nkuko byari byumvikanyweho mu masezerano. UKO URUKIKO RUBIBONA [14] Nk’uko imiburanire y’uhagaraye AKAGERA TRAVEL & TOURS SARL ibyerekana, ntacyo we n’abo ahagarariye banenga urubanza rwajuririwe, icyo bifuza akaba ari uko urukiko rwajuririwe rubagaragariza umwenda nyawo AKAGERA TRAVEL & TOURS SARL igomba kwishyura GT BANK (RWANDA Ltd). [15] Dosiye y’urubanza igaragaza ko ku wa 19/01/2009 AKAGERA TRAVEL& TOURS SARL yemerewe inguzanyo ya miliyoni mirongo itandatu n’umunani (68.000.000 Frw) yo kugura inzu iherereye Kicukiro, mu Mujyi wa Kigali muri Parcelle Nº 147 ku rwunguko rwa 20% mu gihe cy’ubukererwe (nk’uko biri mu ngingo ya 1 n’iya 3 z’amasezerano), ayo mafaranga ikaba yaragomba kuyishyurwa mu mezi mirongo itandatu (60) guhera ku wa 20/02/2009 kugeza ku wa 20/01/2014, hishyurwa 1.726.753 Frw buri kwezi. [16] Dosiye igaragaza na none ko ku wa 04/06/2010 AKAGERA TRAVEL & TOURS SARL yahawe inguzanyo yo kwigurira ibikoresho ingana na 5.000.000 Frw, uwo munsi inamenyeshwa ko ayo mafaranga yongerewe kuri 65.333.000 Frw asigaye ku mwenda wa mbere umwenda wose ugeze kuri 70.333.000 Frw yagombaga kwishyura mu gihe cy’amezi mirongo itandatu (60) guhera ku wa 03/06/2009 kugeza ku wa 30/05/2014 ku rwunguko rwa 20% ku mwaka nk’uko biri mu ngingo ya 1 y’amasezerano, hishyurwa 1.863.394 Frw buri kwezi. [17] [17]. Dosiye igaragaza kandi ko ku wa 28/01/2010 AKAGERA TRAVEL & TOURS SARL yahawe inguzanyo y’inyongera ingana na 5.500.000 Frw yo kwishyura imisoro, yagombaga kwishyurwa mu mezi atatu guhera ku wa 28/02/2010 kugeza ku wa 30/04/2010, ku rwunguko rwa 20% ku mwaka bumvika ko inyungu z’ubukererwe ari 2% ku mwaka, hishyurwa 1.894.421 buri kwezi. [18] [18]. Na none dosiye igaragaza ko ku wa 06/05/2010 FINA BANK RWANDA ( GT BANK RWANDA) Ltd yandikiye AKAGERA TRAVEL & TOURS SARL ibaruwa iyimenyesha amafaranga atarishyuwe agana na 28.505.837 Frw yakabaye yarishyuwe ku mwenda remezo n’inyungu akomoka ku umwenda wa 75.833.000 Frw yahawe nk’uko yabazwe

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kugeza ku wa 09/06/2009, muri iyo baruwa ikamenyeshwa ko kuri konti yayo isanzwe (compte courant) ifite umwenda wa 6.653.598 Frw ugomba kwishyurwa ( Solde débiteur) akomoka ku nguzanyo (overdraft) ya 5.000.000 Frw yagombaga kwishyurwa bitarenze ku wa 01/06/2010. Muri iyo baruwa kandi AKAGERA TRAVEL & TOURS SARL yanabwiwe ko nitagira icyo ikora mu gihe kitarenze iminsi itanu izahabwa integuza kandi hakiyambazwa inkiko ndetse inyungu zikazahagarara kubarwa ari uko yarangije kwishyura umwenda wose. Nyuma yaho ku wa 5/08/2010, FINA BANK Ltd (GT BANK Ltd) yandikiye AKAGERA TOURS & TRAVEL SARL ibaruwa y’integuza (mise en demeure), iyigaragariza uko imyenda iyifitiye ihagaze: « prêt hypothécaire » ucungirwa kuri konti no 001- 08010032 :85.361.611 Frw ; « crédit au compte » no 011-6080073 : 6.247.732 Frw ; « Débit au compte courant »/umwenda kuri konti isanzwe no 011- 1001073 : 7.003.631 Frw ; yose hamwe akaba 98.361.611 Frw igomba FINA BANK RWANDA Ltd (GT BANK RWANDA Ltd), ibwirwa ko nitagira icyo ikora mu minsi icumi haziyambazwa inkiko. [19] Urukiko rurasanga izo nguzanyo zose AKAGERA TRAVEL & TOURS SARL yiyemerera ko yazihawe ndetse ikagaragaza ko n’amabaruwa y’integuza yavuzwe haruguru nayo yayabonye, nyamara ikaba itagaragaza icyo yabikozeho kugeza ubwo FINA BANK RWANDA Ltd iyiregeye Urukiko Rukuru rw’Ubucuruzi rugaca urubanza rwemeza ko igomba kwishyura FINA BANK RWANDA Ltd umwenda ungana na 98.361.611 Frw. [20] Urukiko rurasanga nk’uko umucamanza wa mbere yabigaragaje ku rupapuro rwa 3, igika cya 8 n’ibika bikurikiraho mu rubanza rwajuririwe, ndetse bikaba byongeye kwibutswa muri uru rubanza mu bika bibanziriza iki, FINA BANK RWANDA Ltd yarandikiye AKAGERA TRAVEL & TOURS SARL mu mwaka wa 2010 iyimenyesha uko imyenda iyifitiye ihagaze nyamara ikaba ari ntacyo yakoze cyerekana ko yemera cyangwa itemera iyo myenda, ikaba nta n’icyo yigeze inenga ku bimenyetso byatanzwe n’uwo baburana bigaragaza umwenda yishyuzwa. [21] Urukiko rurasanga kuba AKAGERA TRAVEL & TOURS SARL itarigeze ivuguruza ibyo bimenyetso ngo yerekane ko hari amafaranga yishyuye ku mwenda iregwa ngo inagaragaze uko umwenda usigaye uteye, kuvuga ko amabaruwa yandikiwe mu mwaka wa 2010 atera urujijo kandi ko amafaranga ayavugwamo anyuranyije na « historiques » zatanzwe, iyo mvugo ye nta gaciro yahabwa kuko iyo iza kuyabonamo urujijo itaba yarategereje hafi imyaka itandatu (6) ngo ibone kuyanenga, cyane ko ku rwayo ruhande ari nta bimenyetso igaragariza urukiko bivuguruza ibyatanzwe n’abayirega. Rurasanga rero AKAGERA TRAVEL & TOURS SARL itarashoboye kugaragaza ko yishyuye umwenda wose iregwa cyangwa uwo yaba isigaje kwishyura, nyamara ingingo ya 9 y’Itegeko N° 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko urega ariwe ugomba kugaragaza ibiminyetso by’ibyo aregera yabibura uwarezwe agatsinda, kandi ko uvuga ko icyo yategekwaga gukora cyagaragajwe n’ibimenyetso atagitegetswe kugikora agomba kugaragaza impamvu zakimukuyeho yabiburira ibimenyetso uwo baburana akamutsinda. [22] Urukiko rurasanga mu gihe AKAGERA TRAVEL & TOURS SARL itashoboye ubwayo kugaragaza umwenda yemera igomba kwishyura uwo baburana, atari inshingano y’urukiko gukora imibare umuburanyi ubwe yakabaye yarakoze. Rurasanga kandi nta mpamvu yatuma yemererwa kwishyiriraho umuhanga (Expert) wo gusuzuma uwo mwenda, mu gihe itavuguruza

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umwenda yishyuzwa kuko byaba ari ugutinza urubanza bitari ngombwa, bityo ubujurire bwayo bukaba nta shingiro bufite. B. Ubujuririye bwuririye ku bundi bwatanzwe na GT BANK (RWANDA) Ltd Ku byerekeye inyungu zigomba kubarwa uhereye igihe urubanza rujurirwa rwaciriwe n’indishyi zisabwa muri uru rubanza [23] Me Rusanganwa Jean Bosco avuga ko GT BANK (RWANDA ) Ltd yahabwa inyungu zose zibazwe kuva aho urubanza rujuririrwa ruciriwe ku wa 22/03/2012 kugeza hafashwe icyemezo mu rwego rw’ubujurire ku gipimo cyumvikanyweho mu masezerano cya 18% na 20% mu gihe habayeho ubukererwe. [24] Me Rusanganwa Jean Bosco asaba kandi ko GT BANK (RWANDA) Ltd yagenerwa indishyi zo gusiragizwa mu manza zingana na 5.000.000.Frw na 3000.000 Frw y’igihembo cya Avoka. [25] Me Nzirabatinyi Fidèle avuga ko inyungi n’indishyi zasabwe zidakwiye gutangwa kubera ko bajuririye urubanza rufite amakosa naho igihembo cya Avoka bakaba bagihabwa mu bushishozi bw’Urukiko. UKO URUKIKO RUBIBONA 1) Ku byerekeye inyungu [26] Urukiko rurasanga FINA BANK RWANDA Ltd (GT BANK RWANDA Ltd yaratanze ikirego yishyuza AKAGERA TRAVEL & TOURS SARL umwenda wa 98.361.611 Frw n’inyungu zayo zibazwe kugeza uwo mwenda wose urangiye kwishyurwa. Rurasanga ariko, GT BANK (RWANDA) Ltd itarigeze igaragaza umubare w’inyungu isaba, nk’uko byavuzwe haruguru Urukiko akaba atari rwo rugomba kumenyera ababuranyi ibyo basaba ngo runabifateho icyezo, bityo nk’uko ingingo 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 yavuzwe haruguru ibiteganya, kuri iyi ngingo GT BANK (RWANDA) Ltd ikaba itsindwa no kutagaragaza ibyo iregera. 2) Ku byerekeye indishyi [27] Urukiko rurasanga indishyi zingana na 5.000.000 Frw, GT BANK Ltd (RWANDA) isaba yo gusiragizwa mu nkiko itayahabwa kuko umuburanyi wese n’AKAGERA TOURS & TRAVEL SARL irimo, afite uburenganzira bwo kujurira urubanza yatsinzwe mu rwego rwa mbere mu gihe atarwishimiye. [28] Urukiko rurasanga GT BANK (RWANDA) Ltd igomba ariko kugenerwa amafaranga y’igihembo cya Avoka, kuko bigaragara ko kuba yaragiye mu nkiko byatewe n’uko AKAGERA TRAVEL & TOURS SARL itubahirije ibyo bumvikanye, bituma ishaka uyiburanira, ariko kuko 3.000.000 Frw isaba ari menshi kandi ari nta bimenyetso iyatangira, urukiko mu bushishozi bwarwo ruyigeneye 500.000 Frw.

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III. ICYEMEZO CY’URUKIKO. [29] RWEMEJE ko ubujurire bwa AKAGERA TRAVEL & TOURS SARL nta shingiro bufite. [30] RWEMEJE ko ubujurire bwuririye ku bundi bwatanzwe na GT BANK (RWANDA) Ltd / FINA BANK RWANDA Ltd bufite ishingiro kuri bimwe. [31] RWEMEJE ko urubanza NO RCOM 0039/11/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi ku wa 22/03/2012 ruhindutse gusa ku bijyanye n’amafaranga AKAGERA TRAVEL & TOURS SARL kagomba kwishyura GT BANK (RWANDA) Ltd. [32] RUTEGETSE AKAGERA TRAVEL & TOURS SARL kwishyurwa GT BANK (RWANDA) Ltd 98.861.611 Frw akubiyemo 98.361.611 Frw yatsindiye ku rwego rwa mbere na 500. 000 Frw y’igihembo cya Avoka. [33] RUTEGETSE AKAGERA TRAVEL & TOURS SARL kwishyura amagarama y’urubanza angana na 100.000 Frw.