BAMURANGE v. EQUITY BANK RWANDA Ltd

# BAMURANGE v. EQUITY BANK RWANDA Ltd

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2015-03-27 - Case/document no.: RCOMA 0550/14/HCC - Collection: Commercial High Court

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BAMURANGE v. EQUITY BANK RWANDA Ltd [Rwanda URUKIKO RUKURU RW’UBUCURUZI – RCOMA 0550/14/HCC (Rwanyindo, P.J., ) Kuwa 27/03/2015] Amategeko agenga imiburanishirize y’imanza z’ubucuruzi – Ingwate y’amagarama – Inzitizi yo kutakira ikirego – Gutanga amafaranga y’ingwate y’amagarama arenze asabwa – Ntibiba impanvu yo kutakira ikirego kuko aba ari ukwibeshya – Amategeko agenga imiburanishirize y’imanza z’ubucuruzi– Ikimenyetso gitanzwe bwa mbere mu rwego rw’ubujurire – Gishobora kwakirwa kigasuzumwa kuko gifatwa nk’ ikimenyetso gishya kitaburanishijwe mu rwego rwa mbere – Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo,n’iz’ubutegetsi, ingingo ya 168, igika cya 3. Amategeko agenga ibimenyetso – Ibaruwa isaba kwongererwa igihe cyo kwishyura ibirarane – Ikimenyetso cy’ubutumwa bugufi – Ikimenyetso cy’ubutumwa bugufi ntigihabwa agaciro mu gihe kivuguruzwa n’ibaruwa uwagitanze yashyikirije banki asaba kwongererwa igihe cyo kwishyura kandi atarubahirije ibiyikubiyemo. Amategeko agenga amasezerano – Kwishyura umwenda – Kutubahiriza ibihe ntarengwa biteganyijwe mu masezerano bituma ingwate yatanzwe igurishwa – Ntibyafatwa nko kwishwuzwa umwenda utaragyeza igihe cyo kwishyurwa – Amategeko agenga ibimenyetso – Ibara ry’umwenda – Ntaho uwishyuzwa umwenda yahera anenga uburyo banki yawubazemo mu gihe nta bindi bimenyetso abitangira. Amategeko agenga amasezerano cyangwa imirimo nshinganwa – Indishyi z’akababaro – Ntizitangwa mu gihe uzisaba atagaragaza ikosa zishingiyeho n’isano hagati y’iryo kosa n’izo ndishyi . Amategeko agenga amasezerano cyangwa imirimo nshinganwa – Indishyi z’ikurikiranarubanza n’igihembo cy’avoka – Ntizitangwa ku muburanyi wishoye mu manza nta mpamvu. Amategeko agenga imiburanishirize y’imanza z’ubucuruzi – Inyungu ku nguzanyo zisabwe mu bujurire – Inyungu zibazwe kuva aho urubanza ruciriwe zongerwa ku nguzanyo yemejwe mu rwego rwa mbere – Incamake y’ikibazo: EQUITY BANK RWANDA Ltd yahaye Bamurange Jeanenette hamwe na Rwigema Ildephonse inguzanyo y’amafaranga angana 56.000.000 frws yagombaga kwishyurwa mu gihe cy’imyaka icumi, batanga n’ingwate y’inzu yabo. Nyuma yo kunanirwa kwishyura uwo mwenda, EQUITY BANK RWANDA Ltd yagurishije iyo nzu mu cyamunara ku mafaranga angana na 17.300.000 frws..Mu kugaruza ikinyuranyo cy’umwenda n’inyungu byari bisigaye, EQUITY BANK RWANDA Ltd yareze Bamurange na Rwigema mu Rukiko rw’Ubucuruzi rwa Nyarugenge isaba kubyishyurwa . Urukiko rwemeza ko Bamurange na Rwigema bagomba kwishyura EQUITY BANK RWANDA Ltd amafaranga angana na 44.765.412 frws hamwe na 500.000 frws y’ikurikiranarubanza n’igihembo cy’avoka.. Bamurange yajuriye avuga ko Urukiko rw’Ubucuruzi rwa Nyarugenge rwirengagije ikimenyetso yatanze cy’uko yari yemerewe na EQUITY BANK RWANDA Ltd kuba ba kwishyura uwo mwenda bakererewe ku mpanvu zitunguranye z’uburwayi bwatumye atabasha kwishyura.

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Akomeza avuga ko atemera ingano y’umwenda urukiko rwamutegetse kwishyura kuko banki itabasha kugaragaza uburyo uwo mwenda ubazwe, anavuga kandi ko uwo mwenda utari wageze igihe cyo kwishyurwa anasaba indishyi z’akababaro. Bamurange yakomeje asaba yuko ikirego cya EQUITY BANK RWANDA Ltd kitakwakirwa kuko bordereau y’ ingwate y’amagarama yishyuriyeho igaragaza ko hishyuwe 75.000 frws aho kuba 50.000 frws. EQUITY BANK RWANDA Ltd yireguye ivuga ko itemereye Bamurange kwishyura acyererewe cyane ko atigeze abishingiraho mu gihe cy’iburanisha.Yavuze kandi ko mu mabaruwa menshi yibutsaga Bamurange kwishyura atigeze anenga ingano y’umwenda yishyuzwaga.Kubijyanye n’umwenda utari ugeze igihe cyo kwishyurwa, EQUITY BANK RWANDA Ltd yavuze ko atabashije kwishyura ibirarane nkuko yari yabimwandikiye. Yasoje ivuga ko igirego cyayo cyakwakirwa kuko ukwibeshya kwabayeho ku ngano y’ingwate y’amagarama byakosowe. EQUITY BANK RWANDA Ltd nayo yatanze ubujurire bwuririye kubundi isaba guhabwa inyungu ziyongereye ku mwenda wemejwe n’urukiko rubanza inasaba kandi amafaranga y’ikurirana rubanza n’igihembo cy’avoka Incamake y’icyemezo: 1. Gutanga amafaranga y’ingwate arenze agomba gutangwa ntibiba impanvu yo kutakira ikirego kuko aba ari ukwibeshya gutandukanye no kuba nta mafaranga y’ingwate y’amagarama aba yatanzwe . Bityo inzitizi yo kutakira ikirego ishingiye ku ngwate y’amagarama ikaba nta shingiro ifite. 2. Ikimenyetso gitanzwe bwa mbere mu rwego rw’ubujurire gishobora kwakirwa kigasuzumwa kuko gifatwa nk’ ikimenyetso gishya kitaburanishijwe mu rwego rwa mbere. Ikimenyetso cy’ubutumwa bugufi cyatanzwe n’umuburanyi avuga ko yemerewe na banki kwishyura umwenda akererewe ntigihabwa agaciro mu gihe ibaruwa yandikiye banki igaragaza ko icyo yasabaga kandi yemerewe na banki ari ukwongererwa igihe cyo kwishyura ibirarane ariko ntabyubahirize. 3. Mu gihe amasezerano y’inguzanyo ateganya ko nyirukugurizwa agomba kwishyura buri kwezi ntabyubahirize ntiyakwitwaza ko yishyujwe umwenda hatarageza igihe cyo kwishyuzwa kuko afatwa nk’utarubahirije amasezerano bigatuma ingwate yatanze igurishwa. 4. Uwishyuzwa umwenda utanenga uburyo banki yawubaze ashingiye ku kimenyetso kigaragaza uburyo umuhanga yishyiriyeho yawubaze ntaho yahera anenga uko banki yawubazemo mu gihe nta bindi bimenyetso abitangira. 5. Indishyi z’akababaro ntizitangwa iyo umuburanyi atagaragaje ikosa indishyi zishingiyeho n’isano riri hagati y’ikosa n’izo ndishyi. Umuburanyi wishoye mu manza nta mpamvu yabiherwa indishyi z’ikurikiranarubanza n’igihembo cy’avoka kuko aba ariwe ugomba kuzirengera. Icyakora, umuburanyi utsinze urubanza arazihabwa. 6. Umwenda urukiko rwategetse ko ugomba kwishyurwa ku rwego rwa mbere wongerwaho inyungu zibazwe kuva aho urubanza ruciriwe iyo zasabwe mu bujurire. Ubujurire nta shingiro bufite. Ubujurire bwuririye ku bundi bufite ishingiro. Urubanza RCOM 0723/14/TC/NYGE ntiruhindutse.

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Amategeko yashingiweho: Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi,ingingo ya 168, igika cya 3, Nta manza zifashishijwe: Urubanza I. IMITERERE Y’URUBANZA MU NCAMAKE [1] Bamurange Jeannette na Rwigema Ildegard bagurijwe Frw 56.000.000 na EQUITY BANK RWANDA Ltd mu masezerano bagiranye kuwa 12/02/2012. Bagombaga kwishyura iyo nguzanyo mu gihe cy’imyaka 10 ku gipimo cya 15,5% ku mwaka, ni kuvuga ko bagombaga kwishyura Frw 920.700 buri kwezi ahereye ku kwezi kwa Gatanu 2012. Batanze ingwate y’inzu yabo iri mu kibanza nomero 0581/KIC/NIB. [2] Bamurange Jeannette na Rwigema Ildegard bananiwe kwishyura umwenda bituma EQUITY BANK RWANDA Ltd igurisha mu cyamunara ingwate bayihaye ku mafaranga Frw 17.300.000 ariko ivanamo amafaranga ajyanye n’ikoreshwa ry’iyo cyamunara, hasigara Frw 15.028.007 yashyizwe kuri konti ngo agabanye umwenda. [3] Nyuma y’aho EQUITY BANK RWANDA Ltd yatanze ikirego mu Rukiko rw’Ubucuruzi rwa Nyarugenge kugira ngo yishyuze umwenda usigaye ungana na Frw 44.765.412 n’inyungu zawo. [4] Urukiko rw’Ubucuruzi rwa Nyarugenge rwaciye urubanza rwemeza ko Bamurange Jeannette na Rwigema Ildegard bagomba kwishyura EQUITY BANK RWANDA Ltd umwenda ungana na Frw 44.765.412 na Frw 500.000 y’ikurikiranarubanza n’igihembo cy’Avoka. [5] BAmurange Jeannette yajuririye urwo rubanza ku mpamvu zikurikira: - Kuba Umucamanza yarirengagije ikimenyetso cy’uko bemerewe kwishyura bakerewe kubera impamvu zo kubyara no kurwara Kwa Bamurange Jeannette. - Kutemera ingano y’umwenda Urukiko rwamutegetse kwishyura kuko atazi uko wabazwe. - Kuba umwenda wishyuzwa wari utaragera mu gihe cyo kwishyurwa ndetse na Bamurange Jeannette akaba atarigeze yanga cyangwa ngo ananirwe kwishyura. [6] Bamurange Jeannette arasaba indishyi z’akababaro, amafaranga y’ikurikiranarubanza n’ay’igihembo cy’Avoka bingana na Frw 15.000.000. [7] Mu iburanisha ry’urubanza muri uru Rukiko Avoka wa Bamurange Jeannette yatanze inzitizi ivuga ko ikirego cya EQUITY BANK RWANDA Ltd kitagombaga kwakirwa kubera ko mu rwego rwa mbere itatanze ingwate y’amagarama ahubwo bordereau y’ingwate y’amagarama

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yatanze igaragaza Frw 75.000 aho kuba Frw 50.000 bivuga ko ishobora kuba yakoresheje bordereau y’indi dosiye. [8] EQUITY BANK RWANDA Ltd yatanze ubujurire bwururiye ku bundi isaba ko umwenda wishyuzwa wiyongera n’inyungu kuva urubanza ruciriwe n’Urukiko rw’Ubucuruzi, ni kuvuga Frw 47.656.171 aho kuba Frw 44.765.412. Irasaba kandi Frw 500.000 y’indishyi zo gusiragizwa mu Rukiko na Frw 1.500.000 y’igihembo cy’Avoka. [9] Ibibazo bisuzumwa muri uru rubanza n’ibikurikira: - Kumenya niba ikirego cya EQUITY BANK RWANDA Ltd kitagombaga kwakirwa mu rwego rwa mbere kubera ko yatanze ingwate y’amagarama ihwanye na Frw 75.000 aho kuba Frw 50.000. - Kumenya niba Bamurange Jeannette yari yemerewe na EQUITY BANK RWANDA Ltd kwishyura akerewe. - Kumenya niba Bamurange Jeannette yishyuzwa umwenda wari utaragera igihe cyo kwishyurwa. - Kumenya niba Bamurange Jeannette yishyuzwa umwenda w’umurengera. - Kumenya niba Bamurange Jeannette agomba guhabwa Frw 15.000.000 y’indishyi z’akababaro, ay’ikikurikiranarubanza n’ay’igihembo cy’Avoka asaba. - Kumenya niba EQUITY BANK RWANDA Ltd igomba guhabwa inyungu isaba. - Kumenya niba EQUITY BANK RWANDA Ltd igomba guhabwa amafaranga y’ikurikiranarubanza n’igihembo cy’Avoka isaba. II. ISESENGURA RY’IKIBAZO KIGIZE URUBANZA A- Kumenya niba ikirego cya EQUITY BANK RWANDA Ltd kitagombaga kwakirwa mu rwego rwa mbere kubera ko yatanze ingwate y’amagarama ihwanye na Frw 75.000 aho kuba Frw 50.000. [10] Avoka wa Bamurange Jeannette yatanze inzitizi ivuga ko ikirego cya EQUITY BANK RWANDA Ltd kitagombaga kwakirwa kubera ko mu rwego rwa mbere itatanze ingwate y’amagarama ahubwo bordereau y’ingwate y’amagarama yatanze igaragaza Frw 75.000 aho kuba Frw 50.000 bivuga ko ishobora kuba yakoresheje bordereau y’indi dosiye. [11] EQUITY BANK RWANDA Ltd yiregura ivuga ko habayeho kwibeshya Urukiko ariko ko byarakosowe ku buryo no kuri EFS (Electronic filing system) nomero ya bordereau yerekana ko ariyo yishyuriyeho ikirego mu rwego rwa mbere. [12] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko nta kigaragaza ko iyo bordereau itajyanye n’ikirego cyatanzwe mu rwego rwa mbere usibye umubare w’amafaranga ugaragaramo uhwanye na Frw 75.000 aho kuba Frw 50.000.

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[13] Rusanze ariko ko EQUITY BANK RWANDA Ltd ishobora kuba yaribeshye nk’uko ibivuga ku buryo iyo nzitizi itahabwa gaciro cyane cyane ko icyari kuba ikibazo n’uko nta mafaranga y’ingwate y’amagarama yatanzwe ariko gutanga amafaranga arenze ayo yagombaga gutangwa ntabwo byaba ikibazo B- Kumenya niba Bamurange Jeannette yari yemerewe na EQUITY BANK RWANDA Ltd kwishyura akerewe. [14] Bamurange Jeannette yajuriye avuga ko Umucamanza mu rwgo rwa mbere yirengagije ikimenyetso yatanze cy’uko yakomwe mu nkokora n’uburwayi ndetse no kubyara akabisobanurira EQUITY BANK RWANDA Ltd ikabyemera; nyamara Umucamanza yavuze ko Banki yanze icyifuzo cye kandi atari byo kubera ko Umuyobozi wa EQUITY BANK RWANDA Ltd ishami rya Muhanga yabimwemereye akoresheje sms (ubutumwa bugufi bwa telefone). [15] Avuga kandi ko yari yasabye ko yahabwa igihe cyo kwishura uwo mwenda kubera impamvu itamuturutseho zo kubyara ndetse n’uburwayi, EQUITY BANK RWANDA Ltd ikaba yarabimwemereye ndetse na nyuma y’igihe Banki yamuhereye, akaba yarabashije guhita yishyura Frw 1.540.000 ku wa 11/10/2013, ibi bikaba bigaragaza ko atari yananiwe kwishyura umwenda ku buryo yari guterezwa cyamunara. [16] EQUITY BANK RWANDA Ltd yiregura ivuga ko uretse ko icyo kimenyetso BAMURANGE Jeannette atigeze agishingiraho mu gihe cy’iburanisha nk’uko bigaragara mu myanzuro yo kwiregura yatanzwe n’Abavoka bari bamuhagarariye ndetse ni mu buryo bireguye, ibyo Bamurange Jeannette avuga nta shingiro bifite ahubwo ni buryo bwo gutinza urubanza. [17] Ivuga ko ku itariki ya 11/07/2013 Bamurange Jeannette yagejejweho ibaruwa imumenyesha ibirarane agezemo (formal letter demand) yanga gusinya, ahubwo yahise yohereza ibaruwa yo gusaba kwongererwa iminsi yo kurangizamo ibirarane. Ivuga ko Rwigema Ildephonse yabajije Branch Manager wa EQUITY BANK RWANDA Ltd ishami rya Muhanga niba bashobora kubemerera ibyo bari basabye byo kubihanganira kugeza tariki ya 29/07/2013 muri iyo baruwa yo kuri Cote 8, Branch Manager amubwira ko ibyo asaba byemewe ariko ko hagati aho basinya ya baruwa (formal letter demand), ikazagira agaciro ari uko batubahirije ibyo biyemeje byo kumaraho ibirarane bitarenze tariki ya 29/07/2013. Ivuga ko ibyo bigaragara kuri bwa butuma bugufi bwa telefone bafotoye ariko ibyo bitabujije ko ya formal letter demand yayisinye hagombye kwitabazwa umuhesha w’inkiko ku itariki ya 16/07/2013. [18] EQUITY BANK RWANDA Ltd ivuga ko ibyo byose bigaragaza ko nta gihe cyo kwishyura umwenda kigeze cyongerwa, ahubwo icyo Banki yari yamwenereye ni igihe cyo kuba yamazemo ibirarane, hanyuma nabyo bikamunanira kandi ariwe wari wishiriyeho igihe ntarengwa. [19] Ivuga ko kutabasha kumaramo ibirarane by’ukwezi kwa gatanu ni kwa gatandatu bitarenze tariki ya 29/07/2013, byatumye na none tariki ya 05/08/2013 hamaze kugeraho ikindi kirarane cy’ukwezi kwa karindwi 2013, ibyo bikaba byaratumye Bamurange Jeannette yongera kwandikirwa indi baruwa tariki ya 13/08/2013, ku itariki ya 04 n’integuza ku itariki ya 13/09/2013. Ivuga ko ibyo byerekana ko Bamurange Jeannette atigeze yongererwa igihe cyo kwishyura kuko iyo yari kuba yongerewe igihe cyo kwishyura, yari gukorerwa andi masezerano.

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[20] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko ikimenyesto Bamurange Jeannette avuga ko Umucamanza wa mbere yirengagije ari ikimenyetso cyerekanywe ubwa mbere mu bujurire, bityo akaba atagomba kuvuga ko Umucamanza yarakirengagije. [21] Rusanze ariko ko nubwo cyatanzwe ubwa mbere mu bujurire gishobora kwakirwa kigasuzumwa kubera ko biteganyijwe mu ngingo ya 168, igika cya 3, y’Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi (Ntibibujijwe ariko mu rwego rw’ubujurire gutanga ingingo nshya zo kuburana cyangwa ibimenyetso bishya bitaburanishijwe mu rwego rwa mbere) [22] Rusanze ko ikimenyetso Bamurange Jeanne ashingiraho avuga ko EQUITY BANK RWANDA Ltd yari yamwemereye kwishyura akerewe ari ubutumwa bugufi buva kuri telefone igendanwa ifite nomero 0788389079 avuga ko ari iya Branch Manager wa EQUITY BANK RWANDA Ltd ishami rya Muhanga kandi na Avoka uyihagarariye akaba atabihaka. [23] Rusanze ko muri ubwo butumwa bugufi, havugwa ko ibaruwa ya Bamurange Jeannette yageze kuri Banki kandi ko yaremewe, gusa agomba gusinya ibaruwa Banki yamwohereje, ikazagira agaciro ari uko Bamurange Jeannette atubahirije ibyo yanditse. [24] Rusanze ko ibaruwa Branch Manager avuga ko yabonye kandi yaremeye ari ibaruwa Bamurange Jeannette yandikiye Banki ku wa 11/07/2013 aho yasabaga kwongererwa igihe cyo kwishyura ariko akavuga ko itariki ntarengwa yo kwishyura ari ku wa 29/07/2013. [25] Rusanze ko Bamurange Jeannette avuga ko yishyuye amafaranga Frw 1.540.000 ku wa 11/10/2013, bityo ngo akaba atarananiwe kwishyura ngo Banki iteze cyamunara ingwate yayihaye. [26] Rusanze nyamara ko Bamurange Jeannette ariwe utarubahirije ibyo yari yasabye akabyemerera na Banki kuko icyo yari yasabye n’ukongererwa igihe cyo kwishyura kugeza ku wa 29/07/2013 ariko we akaba yarishuye ku wa 11/10/2013 nyuma y’amezi atatu, bityo akaba atakwitwaza ko Banki itashyize mu bikorwa ibyo yamwemereye mu butumwa bugufi kuko icyo yaremerewe n’ukwishyura ibirarane bitarenze ku wa 29/07/2013 nk’uko yari yabisabye mu ibaruwa ye yo ku wa 11/07/2013 (impamvu y’iyo baruwa yari “gusaba kwongerwa iminsi”) C- Kumenya niba BAMURANGE Jeannette yishyuzwa umwenda wari utaragera igihe cyo kwishyurwa. [27] Bamurange Jeannette yajuriye avuga ko umwenda waregewe utari ugeze igihe cyo kwishyurwa, bityo akaba ataragombaga guhatirwa kwishyura mu gihe gito kandi atarigeze yanga kwishyura cyangwa ngo ananirwe kwishyura. [28] EQUITY BANK RWANDA Ltd yiregura ivuga ko kuba Bamurange Jeannette atarabashije kumaramo ibirarane by’ukwezi kwa gatanu n’ukwa gatandatu bitarenze itariki ya 29/07/2013, ibyo byatumye yongera kwandikirwa indi baruwa tariki ya 13/08/2013, ku itraiki ya 04/09/2013 n’integuza ya nyuma ku itariki ya 30/09/2013 kugeza igihe ingwate yatejwe cyamunara kubera kutishyura umwenda ku itariki ya 11/03/2014.

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[29] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko kuba Bamurange Jeannette avuga ko umwenda wishyuzwa kandi igihe cyo kwishyurwa kitaragera, ibyo bikaba nta shingiro bifite kubera ko impamvu Bamurange Jeannette yishyuzwa ni kubera ko atarishyuye bituma agira ibirarane nk’uko nawe abyiyemerera mu baruwa yo ku wa 11/07/2013 aho yasabaga kwongererwa iminsi yo kwishyura. [30] Rusanze ko mu ngingo ya 14 y’amasezerano y’inguzanyo impande zombi zagiranye ku wa 19/03/2012 ivuga ko iyo nyirikugurizwa atishyura inguzanyo n’inyungu zayo nk’uko biteganyijwe mu imbonerahamwe y’ubwishyu (repayment schedule), Banki ishobora kugurisha ingwate. [31] Rusanze ko mu busanzwe mu imbonerahamwe y’ubwishyu hagaragara uko nyirikugurizwa agomba kwishyura buri kwezi, bityo iyo atishyura ukwezi kumwe, akaba atarubahirije amasezerano, bituma ingwate igurishwa. [32] Kubera izo mpamvu rero, rukaba rusanga ko Bamurange Jeannette yishyujwe igihe cyo kwishyura cyarageze kubera ko atishyuraga buri kwezi nk’uko biteganyijwe mu masezerano. D- Kumenya niba Bamurange Jeannette yishyuzwa umwenda w’umurengera. [33] Bamurange Jeannette avuga ko atemera ingano w’umwenda Urukiko rwamutegetse kwishyura kubera ko atazi uko wabazwe. Avuga ko yishyuye amafaranga arenga Frw 6.429.632, ayo wayagabanya na Frw 920.700 yishyuraga buri kwezi, ugasanga hari amezi 7 yari yishyuye en avance ari naho ahera avuga ko umwenda utari ugeze igihe cyo kwishyurwa cyane cyane ko yishyuraga ndetse na nyuma yo gutanga icyemezo cyo guteza cyamunara ingwate yakomeje kwishyura. [34] Avuga kandi ko usibye kuvuga gusa ko agomba kwishyura umwenda n’inyungu bingana na Frw 44.765.412, Banki ntibasha kumugaragariza uburyo uyu mwenda ubazwe. [35] EQUITY BANK RWANDA Ltd yireguye ivuga ko Bamurange Jeannette yakagombye kuguma ku mbimbi y’icyo yajuriye kubera ko mu myanzuro ye yavugaga ko yajuriye kubera ko Umucamanza yarirengagije ikimenyetso kigaragaza ko Banki yari yemeye kumwongerera igihe cyo kwishyura. Ivuga kandi ko Bamurange Jeannette yandikiwe amaburuwa menshi yamwibutsaga kwishyura ariko yaricecekeye kugeza igihe ingwate yatejwe cyamunara, ni ukuvuga ko ntacyo yanengaga ingano y’umwenda yishyuzwaga, ikimenyimenyi n’uko RWIGEMA Ildegard atigeze ajuririra urubanza. [36] Ku bijyanye n’icyo kibazo, Urukiko rusanze koko ko Bamurange Jeannette atigeze anenga uburyo umwenda yishyuzwaga yabazwe kandi yaramenyeshejwe umubare w’umwenda mu mabaruwa atandukanye EQUITY BANK RWANDA Ltd yaramwandikiye. [37] Rusanze ko kuba Bamurange Jeannette avuga ko Banki igomba kugaragaza uko yabaze umwenda imwishyuza, ibyo yarabikoze kuko hari inyandiko iri kuri Cote 30 ya dosiye mu bujurire yerekana umubare w’umwenda kuva itariki ya 31/01/2014 kugeza ku itariki ya 05/09/2014, ikerekana ndetse n’amafaranga Bamurange Jeannette yagiye yishyura.

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[38] Rusanze ko niba Bamurange Jeannette atemeraga umubare w’umwenda yishyuzwa yagombaga gushyiraho umuhanga ubimubarira hakurikijwe amasezerano yagiranye na EQUITY BANK RWANDA Ltd ndetse n’izindi nyandiko zigizwe na pièces comptables zigaragaza uko yagiye yishyura. Rusanze ko kuba atarabikoze, akanenga ibyatanzwe na EQUITY BANK RWANDA Ltd nta bimenyetso ashingiraho uko kunenga kwe, ibyo bikaba nta gaciro byahabwa. E- Kumenya niba Bamurange Jeannette agomba guhabwa Frw 15.000.000 y’indishyi z’akababaro, ay’ikikurikiranarubanza n’ay’igihembo cy’Avoka asaba. [39] Ku bijyanye n’indishyi z’akababaro Bamurange Jeannette asaba, Urukiko rusanze ko atagaragaje ikosa aho izo ndishyi zaba zishingiye ndetse n’isano ryaba riri hagati y’iryo kosa n’izo ndishyi, bityo ntazo yahabwa. [40] Ku bijyanye n’amafaranga y’ikurikiranarubanza n’igihembo cy’Avoka Bamurange Jeannette asaba, Urukiko rusanze ko ntabyo yahabwa kubera ko impamvu z’ubujurire ze nta shingire zifite, bivuga ko ariwe wishyoye mu rubanza nta mpamvu, bityo akaba agomba kubyirengera. F- Kumenya niba EQUITY BANK RWANDA Ltd igomba guhabwa inyungu isaba. [41] EQUITY BANK RWANDA Ltd irasaba guhabwa inyungu ziyongereye ku mwenda wemejwe n’Urukiko rubanza ku buryo uwo mwenda ugeze kuri Frw 47.656.171. [42] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko mu rwego rwa mbere EQUITY BANK RWANDA Ltd yatanze ikirego isaba ko abaregwa bahatirwa kwishyura umwenda n’inyungu bingana na Frw 44.765.412. [43] Rusanze ko mu rwego rwa mbere urubanza rwaciwe ku wa 30/09/2014 kandi mu nyandiko EQUITY BANK RWANDA Ltd yerekanye muri uru Rukiko ku wa 05/09/2014 umwenda wari ugeze kuri Frw 47.656.171. [44] Rusanze rero ko EQUITY BANK RWANDA Ltd igomba guhabwa izo nyungu nk’uko biteganywa n’ingingo ya 168, igika cya 2, y’Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi (Icyakora, ababuranyi bashobora kwaka inyungu, ibyishyuwe ku bukodeshe n’ibindi bintu by’inyongera byabonetse kuva aho urubanza rwaciriwe, n’indishyi z’akababaro z’igihombo umuburanyi yagize kuva urubanza ruciwe.) F- Kumenya niba EQUITY BANK RWANDA Ltd igomba guhabwa amafaranga y’ikurikiranarubanza n’igihembo cy’Avoka isaba. [45] EQUITY BANK RWANDA Ltd irasaba Frw 500.000 y’indishyi zo gusiragizwa mu Rukiko na Frw 1.500.000 y’igihembo cy’Avoka. [46] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko kubera ko Bamurange Jeannette atsinzwe agomba kwirengera amafaranga yakoreshejwe na EQUITY BANK RWANDA Ltd mu gukurikirana urubanza no kuburanirwa na Avoka kuko ubusanzwe ayo mafaranga yishyurwa n’utsindwa urubanza.

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[47] Rusanze ariko Frw 2.000.000 EQUITY BANK RWANDA Ltd isaba ari ikirenga, bityo rukaba ruyigeneye mu bushishozi n’ubwitonzi bwarwo Frw 100.000 y’ikurikiranarubanza na Frw 500.000 y’igihembo cy’Avoka. III. ICYEMEZO CY’URUKIKO [48] RWEMEYE kwakira ubujurire bwa Bamurange Jeannette, Rwemeje ko nta shingiro bufite. [49] RWEMEYE kwakira ubujurire bwururiye ku bundi bwa EQUITY BANK RWANDA Ltd, Rwemeje ko bufite ishingiro. [50] RWEMEJE ko nta gihindutse ku rubanza R.COM 0723/14/TC/NYGE rwaciwe ku wa 30/09/2014 n’Urukiko rw’Ubucuruzi rwa Nyarugenge. [51] RUTEGETSE Bamurange Jeannette kwishyura umwenda abereyemo EQUITY BANK RWANDA Ltd wiyongereyeho inyungu kuva urubanza ruciwe n’Urukiko rw’ubucuruzi rwa Nyarugenge, ubu ukaba ungana na Frw 47.656.171. [52] RUMUTEGETSE kwishyura EQUITY BANK RWANDA Ltd Frw 600.000 y’ikurikiranarubanza n’igihembo cy’Avoka. [53] RUVUZE ko rwasomwe bitinze kubera ko Umucamanza yari mu kiruhuko cy’uburwayi kuva ku wa 12/02/2015 kugeza ku wa 02/03/2015.