BANK OF AFRICA RWANDA PLC v. NTWARABAKIGA

# BANK OF AFRICA RWANDA PLC v. NTWARABAKIGA

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2024-01-26 - Case/document no.: RCOMAA00035/2023/CA - Collection: Court of Appeal

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BANK OF AFRICA RWANDA PLC v. NTWARABAKIGA [Rwanda URUKIKO RW’UBUJURIRE – RCOMAA00035/2023/CA (Kaliwabo, P.J.) 26 Mutarama 2024] Ububasha bw’Urukiko rw’Ubujurire – Ubujurire bwa kabiri – Gutsindwa mu Nkiko zombi kubera impamvu zimwe – Mu gusuzuma niba umuburanyi yaratsinzwe mu nkiko zombi zabanje hashingiwe ku mpamvu zimwe, harebwa icyaburanwaga n’imitekerereze ya buri Rukiko (raisonnement juridique) mu kugaragaza impamvu zashingiweho kugira ngo rugere ku cyemezo rwafashe, hitawe ku kureba niba ingingo zaburanywe mbere arizo zagarutsweho mu bujurire kandi ko inkiko zombi zazishubijeho mu buryo bumwe. Incamake y’ikibazo: Ntwarabakiga na Mukantabana batije Munezerano Eugénie n’umugabo we Ndayisenga Jean Marie Vianney ingwate ku mutungo wabo wanditswe kuri UPI :1/03/03/02/603 kugira ngo yishingire inguzanyo bafashe muri Bank of Africa Rwanda Plc irebana n’isoko sosiyete yabo All General Suplliers Company Ltd yari yatsindiye mu Karere ka Karongi. Bumvikana igihe ingwate igomba kumara, ko kandi ingwate izasubizwa abayitanze mu gihe umwenda wishingiwe uzaba umaze kwishyurwa. Ntwarabakiga na Mukantabana bavugako umwenda ingwate yabo yishingiye wamaze kwishyurwa ndetse amafaranga akaba yaranyujijwe kuri konti ya All General Suplliers Company Ltd iri muri Bank of Africa, ariko Banki ikaba yaranze kurekura ingwate yabo, ibi byatumye barega Bank mu Rukiko rw’ubucuruzi, bayisaba kurekura ingwate batanze kubera ko umwenda bishingiye wamaze kwishyurwa ndetse basaba indishyi z’akababaro. Urukiko rw’ubucuruzi mu rubanza RCOM00723/2022/TC rwagobokeshejwemo All General Suppliers Company Ltd, rwemeje ko Bank of Africa Plc isubiza Ntwarabakiga na Mukantabana icyangombwa cy’umutungo wabo utimukanwa gifite UPI :1/03/03/02/603 kuko igihe ingwate yagombaga kumara cyarangiye ndetse hari n’ikimenyetso kigaragaza ko umwenda wishingiwe wishyuwe. Bank of Africa itishimiye icyo cyemezo yajuririye mu Rukiko Rukuru rw’ubucuruzi ivuga ko Urukiko rwabanje rwirengagije amategeko n’ibimenyetso bituma rugera ku mwanzuro unyuranyije n’amategeko, ikavugako ingwate idashobora gusubizwa umwenda wose utarishyurwa. Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza rwemeza ko Ntwarabakiga asubizwa umutungo yatanzeho ingwate. Bank of Africa yajuririye icyo cyemezo mu Rukiko rw’Ubujurire isaba urwo Rukiko kwemeza ko umutungo wa Ntwarabakiga na Mukantabana uguma mu bugwate kugeza abishingiwe bamaze kwishyura umwenda wose bayifitiye, rukayigenera n’indishyi z’ikurikiranarubanza. Ku rundi ruhande, Ntwarabakiga wanazunguye urubanza rw’umugore we wapfuye, yatanze inzitizi yo kutakira ubujurire bwa kabiri bwa Banki kubera ko yatsinzwe mu Nkiko zombi zibanza hashingiwe ku mpamvu zimwe zo kuba yarategetswe kurekura ingwate kubera ko umwenda wishingiwe wamaze kwishyurwa.

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Banki yiregura kuri iyi nzitizi ivugako itatsinzwe mu Nkiko zombi kubera impamvu zimwe kuko izo Nkiko (Urukiko rw’ubucuruzi n’Urukiko Rukuru rw’Ubucuruzi) zitabonye mu buryo bumwe ibijyanye n’igihe ingwate yagomba kumara Urukiko rw’ubucuruzi rukaba rwarabonye ari amezi 3 naho Urukiko Rukuru rw’Ubucuruzi rwo rukabona ari amezi 12 bityo akabona iyo ari impamvu yo kudatsindwa kwe mu Nkiko zombi kubera impamvu zimwe. Incamake y’icyemezo: Mu gusuzuma niba umuburanyi yaratsinzwe mu nkiko zombi zabanje hashingiwe ku mpamvu zimwe, harebwa icyaburanwaga n’imitekerereze ya buri Rukiko (raisonnement juridique) mu kugaragaza impamvu zashingiweho kugira ngo rugere ku cyemezo rwafashe, hitawe ku kureba niba ingingo zaburanywe mbere arizo zagarutsweho mu bujurire kandi ko inkiko zombi zazishubijeho mu buryo bumwe. Ubujurire ntibwakiriwe. Amagarama ahwanye n’ibyakozwe mu rubanza. Amategeko yifashishijwe: Nta mategeko yifashishijwe Imanza zifashishijwe: Urubanza RS/INJUST/RCOM0000/2020/SC; Road solutions pavement products vs MAIL Co Ltd Urubanza I. IMITERERE Y’URUBANZA: [1] Ntwarabakiga Emile na Mukantabana Ellen batije Munezerano Eugénie n’umugabo we Ndayisenga Jean Marie Vianney ingwate ku mutungo wabo wanditswe kuri UPI :1/03/03/02/603 kugira ngo yishingire inguzanyo (ligne de crédit) bafashe muri Bank of Africa Rwanda Plc irebana n’isoko sosiyete yabo All General Suplliers Company Ltd yari yatsindiye mu Karere ka Karongi. Bavuga ko impande zose zumvikanye igihe ingwate igomba kumara, ko kandi ingwate izasubizwa abayitanze mu gihe umwenda wishingiwe uzaba umaze kwishyurwa. [2] Abarega bavuga ko isoko ryatumye batanga ingwate ryarangiye ndetse ubwishyu bwahawe All General Suplliers Company Ltd bukanyuzwa kuri konti yayo iri muri Bank of Africa, ariko ko iyi Bank yanze kurekura ingwate yahawe yitwaje ko iyi sosiyete ikiyifitiye umwenda ukomoka kuri “ligne de crédit” yongererewe, iyi ngo Ntwarabakiga na Mukantabana bakaba baranze kuyishingira. Bakomeza bavuga ko impande zose zahujwe n’Umwanditsi Mukuru (Regestrar General) aho bumvikaniye ko Bank of Africa ifata ingwate mu mutungo wa Munezerano Eugenie n’umugabo we Ndayisenga Jean Marie Vianney ariko bakarekura ingwate ya Ntwarabakiga na Mukantabana, ko Bank yemeye ko igiye gukora igenagaciro, nyamara ngo ntiyubahiriza amasezerano bagiranye. [3] Ntwarabakiga na Mukantabana baregeye Urukiko rw’Ubucuruzi Bank of Africa bayisaba kurekura ingwate batanze kubera ko umwenda bishingiye wamaze kwishyurwa, ndetse igatanga

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n’indishyi z’akababaro. All General Suplliers Company Ltd yagobokeshejwe muri uru rubanza nayo ivuga ko ingwate batijwe yagombye kurekurwa kuko Bank of Africa yeretswe indi mitungo yafataho ingwate ariko ikabyanga. Bank of Africa yaburanye ivuga ko idashobora kurekura ingwate yahawe mu gihe All General Suplliers Company Ltd yishingiwe ikiyifitiye umwenda kuri “ligne de crédit” yahawe, ko ingwate yahawe yandikishijwe kandi ikaba ifite agaciro kugeza mu mwaka wa 2030. Bank ivuga ko impande zombi zabiganiraho zikareba niba yahabwa indi ngwate, ko icy’ingenzi ari uko iba ifite ingwate, ariko ko ifite impungenge zo kureka ingwate yahawe y’abarega iherereye muri Kigali, ikaba yafata imitungo iri Karongi idahuje agaciro. [4] Bank of Africa Rwanda Plc yireguye ivuga ko ingwate Ntwarabakiga Emile na Mukantabana Ellen batije All Generals Suplliers Company Ltd idashobora gusubizwa ba nyirayo mu gihe iyi itarishyura umwenda watangiwe iyo ngwate ngo wose uve kuri ligne de crédit yahawe. Mu iburanisha mu mizi, Bank of Africa Rwanda Plc yabwiye Urukiko y’uko niba hari indi mitungo All General Suplliers Company Ltd ifite, ko impande zombi zabiganiraho zikareba niba banki yayisimbuza ingwate ifite y’abarega, ko icy’ingenzi ari uko iba ifite ingwate, ariko ko ifite impungenge zo kureka ingwate yahawe y’abarega iherereye muri Kigali, ikaba yafata imitungo iri Karongi. [5] Kuwa 07/10/2022 Urukiko rw’Ubucuruzi rwakijije urubanza RCOM00723/2022/TC, rwemeza ko Bank of Africa Plc isubiza Ntwarabakiga Emile na Mukantabana Ellen icyangombwa cy’umutungo wabo utimukanwa gifite UPI :1/03/03/02/603 kuko igihe ingwate yagombaga kumara cyarangiye ndetse hari n’ikimenyetso kigaragaza ko umwenda wishingiwe wishyuwe. Urukiko rwasanze hari inama yayobowe n’Umwanditsi Mukuru aho Bank yari yemeye gufata ingwate mu mutungo bwite wa Munezerano na Ndayisenga, ariko Bank ikaba itaragize ubushake bwo kubikora. Urukiko rwategetse Bank guha abarega indishyi z’akababaro n’iz’ikurikiranarubanza. [6] Bank of Africa Plc yajuriye Urukiko Rukuru rw’Ubucuruzi, ivuga ko mu icibwa ry’urubanza RCOM00723/2022/TC, Urukiko rw’Ubucuruzi rwirengagije amategeko n’ibimenyetso bishingiye ku nyandikomvaho, ahubwo rushingira icyemezo cyarwo ku mvugo n’inyandiko bwite, bituma rugera ku mwanzuro unyuranije n’ibyo amategeko ateganya. Ivuga ko amasezerano y’ingwate Ntwarabakiga na Mukantabana basinye agaragaza ko ingwate idashobora kurekurwa mu gihe umwenda wose utarishyurwa, ko kandi Urukiko rwibeshye mu kwemeza ko ingwate yagombye kumara igihe cy’amezi atatu. Bank yaboneyeho gusaba indishyi z’ikurikiranarubanza. [7] Hagati aho, Mukantabana Ellen yarapfuye, urubanza rwe ruzungurwa n’umugabo we Ntwarabakiga. Mu mwanzuro we Ntwarabakiga Emile yasubije avuga ko umwenda wishingiwe wamaze kurangira kandi ko amafaranga y’isoko ryari ryishingiwe yanyuze kuri konti ya All General Suplliers Company Ltd iri muri Bank of Africa ku buryo iyo ibishaka yari kwiyishyura, ko indi nguzanyo Banque yaba yarahaye All General Suplliers Company Ltd idakwiye gutuma batarekurirwa ingwate kubera ko babwiye Banque ko nta wundi mwenda bishingira. [8] Mu rubanza RCOMA00661/2022/HCC rwaciwe kuwa 14/04/2023, Urukiko Rukuru rw’Ubucuruzi rwemeje ko Ntwarabakiga Emile asubizwa umutungo yatanzeho ingwate, rusanga icyemezo cyafashwe n’Urukiko rw’Ubucuruzi gifite ishingiro kuko Ntwarabakiga yishingiye umwenda uzwi wa 100.000.000Frw wahawe All General Suplliers Company kugira ngo ikore

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isoko yari yatsindiye kandi ko mu masezerano bagiranye na Banki bavuze ko iyi ngwate ifite agaciro kugeza uyu mwenda wishyuwe, ko Ntwarabakiga na Mukantabana banze kwishingira undi mwenda Bank yashakaga guha All General Suplliers Company, kuri ubu Bank ikaba ishaka gukubira imyenda yose hamwe. Urukiko rwasanze Urukiko rw’Ubucuruzi rwaribeshye aho rwavuze ko amasezerano y’ingwate yagombaga kumara amezi 3 binyuranye n’ibikubiye mu masezerano aho biteganywa ko izamara amezi 12, nyamara ko ntacyo bihindura ku kibazo gishingiye ku kumenya niba umwenda wishingiwe warishyuwe. [9] Bank of Africa Rwanda Plc yajuririye Urukiko rw’Ubujurire kuri RCOMAA 00035/2023/CA, Urubanza ruburanishwa mu ruhame kuwa 8/1/2024 ihagarariwe na Me Rwigema Vincent, Ntwarabakiga Emile wanazunguye urubanza rw’umugore we Mukantabana Ellen (+) ahagarariwe na Me Manirafasha Jean Paul, All General Suplliers Company Ltd ihagarariwe na Nzigiyimana Philippe nawe yunganiwe na Me Turahirwa Théogène. [10] Mu mwanzuro y’ubujurire, Bank of Africa Rwanda Plc mu izina ry’Umuyobozi wayo isaba Urukiko rw’Ubujurire gukosora amakosa yakozwe n’Urukiko Rukuru rw’Ubucuruzi aho rwitiranije “crédit à terme” na “Ligne de crédit” bigatuma rugera ku cyemezo kiyambura ingwate kandi abishingiwe bakiyifitiye umwenda, ko rwakwemeza ko umutungo ubaruye kuri UPI: 1/03/03/02/603 wa Ntwarabakiga Emile na Mukantabana Ellen kuguma mu bugwate bwa Banki kugeza abishingiwe bamaze kwishyura umwenda wose bayifitiye, rukayigenera n’indishyi z’ikurikiranarubanza. [11] Ntwarabakiga Emile wanazunguye umugore we Mukantabana Ellen (+), mbere yo kwiregura ku ngingo z’ubujurire, yatanze inzitizi zitandukanye zo kutakira ubujurire bwa Bank of Africa Rwanda Plc, mu iburanisha ahitamo gusigarana ingingo y’agaciro k’ikiburanwa itarigeze iburanwa ku rwego rwa mbere kandi ko agaciro k’ingwate n’umwenda iburana ishingiraho ijurira byari bisanzwe bizwi n’impande zombi bityo ko ari impamvu yo kutakira ubujurire bwa Banki; nanone kuba Banki yaratsinzwe mu nkiko zombi zibanza hashingiwe ku mpamvu zimwe zo kuba yarategetswe kurekura ingwate kubera ko umwenda wishingiwe wamaze kwishyurwa, bityo ubujurire bwa kabiri bukaba budakwiye kwakirwa. [12] All General Suplliers Company Ltd na yo yunze mu rya Ntwarabakiga Emile isaba Urukiko kutakira ubujurire bwa Banki ivuga ko yatsinzwe ku mpamvu zimwe mu nkiko zombi zibanza. [13] Banki yisobanuye ku nzitizi ivuga ko agaciro k’ingwate katanzwe na Ntwarabakiga ubwe karenze 75.000.000Frw, bityo ko bitumvikana uburyo ari we nanone ushingira kuri ako gaciro asaba kutakira ikirego. Banki ivuga kandi ko itigeze itsindwa ku mpamvu zimwe kubera ko Urukiko Rukuru rw’Ubucuruzi rwavuguruje urwa mbere ku birebana n’igihe ingwate yagombaga kumara, ndetse rukaba rwarashingiye ku kimenyetso cya “historique” kitigeze gishingirwaho ku rwego rwa mbere. [14] Urukiko rugiye gusuzuma ikibazo kirebana n’iyakirwa ry’ubujurire bwa Bank of Africa Rwanda hashingiwe ku gaciro k’ikiburanwa no kuba Banki yaba yaratsinzwe mu nkiko zombi zibanza hashingiwe ku mpamvu zimwe. II. ISESENGURWA RY’IBIBAZO BIGIZE URUBANZA:

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A. Ku birebana n’agaciro k’ikiburanwa [15] Me Manirafasha Jean Paul uburanira Ntwarabakiga Emile yazamuye inzitizi yo kutakira ubujurire bwa Bank of Africa Rwanda Plc avuga ko iyi Banki yashingiye ubujurire bwayo ku gaciro k’ingwate nyamara iyi ngingo itarigeze igibwaho impaka mu nkiko zibanza, ko impaka zishingiye ku iyubahirizwa ry'amasezerano y'inguzanyo hagati ya Bank of Africa Rwanda Plc na All General Suplliers Company Ltd, ko uretse no kuba bitaburanyweho impande zose ziburana zari zizi agaciro k’ingwate ndetse n’umwenda wishyuzwazaga ukaba wari uzwi bityo ko Urukiko rw’Ubujurire rudakwiye kwakira ubu bujurire rushingiye ku gaciro Bank of Africa Rwanda Plc ishaka gushingiraho ijurira kuko kari gasanzwe kazwi n’impande zose. Ku kibazo cyo kumenya niba agaciro k’ingwate karenze 75.000.000Frw, Me Manirafasha uburanira Ntwarabakiga Emile yasubije ko nta n’umwe mu baburanyi ubishidikanyaho. [16] Me Rwigema Vincent uburanira Bank of Africa Rwanda yasubije kuri iyi nzitizi avuga ko atabona aho uhagarariye Ntwarabakiga ahera asaba kutakira ikirego mu gihe nawe ubwe yemera ko agaciro k’ikiburanwa karenze 75.000.000Frw, asaba urukiko gutesha agaciro iyi nzitizi. UKO URUKIKO RUBIBONA [17] Ingingo ya 52 y’Itegeko N° 30/2018 ryo kuwa 02/06/2018 rigena ububasha bw’inkiko, mu gika cyayo cya 2, agace ka “8°”, iteganya ko Urukiko rw’Ubujurire rufite ububasha bwo kuburanisha imanza zaciwe ku rwego rw’ubujurire n’Urukiko Rukuru, Urukiko Rukuru rw’Ubucuruzi n’Urukiko Rukuru rwa gisirikare iyo ikiburanwa gifite agaciro kangana nibura na 75.000.000Frw. [18] Urukiko rurasanga, Me Manirafasha Jean paul uhagarariye Ntwarabakiga Emile ubwe yemera ko ingwate uwo ahagarariye asaba ko arekurirwa ifite agaciro karenze 75.000.000Frw, Urukiko rukaba rutabona aho ahera asaba ko ubujurire bwa Bank of Africa Rwanda Plc butakirwa kandi ingingo aburanisha ahubwo iri mu ruhande rutuma ikirego cyakirwa. [19] Urukiko rurasanga, urubanza aburanisha ko rwatanze umurongo, rudahuje n’ikiburanwa, kuko ikibazo kitari ukujya impaka ku gaciro k’ikiburanwa ahubwo ujurira yerekanaga ko ubujurire bwe buri mu bubasha bw’Urukiko rw’Ubujurire hashingiwe ku gaciro k’ikiburanwa katagibwaho impaka ndetse na Me Manirafasha Jean Paul akaba yemera iby’aka gaciro karenze 75.000.000Frw, kuri iyi ngingo inzitizi yatanzwe ikaba nta shingiro ifite. B. Ku birebana no gutsindwa ku mpamvu zimwe [20] Me Manirafasha Jean Paul uhagarariye Ntwarabakiga yasabye Urukiko rw’Ubujurire kutakira ubujurire bwatanzwe na Bank of Africa Rwanda Plc, kubera ko yatsinzwe mu nkiko zombi zabanje hashingiwe ku mpamvu zimwe, aho ku rwego rubanza icyaregerwaga cyari ugukemura impaka zishingiye ku iyubahirizwa ry’amasezerano y’inguzanyo yo kuwa 16/06/2020, arebana n’ingwate y’inzu Ntwarabakiga Emile na Mukantabana Ellen batije All General Suplliers Company Ltd hagamijwe gukora isoko rya Karongi rikaba ryararangiye, maze Urukiko rw’Ubucuruzi mu bika bya 17 na 19 by’urubanza RCOM00723/2022/TC, rukemeza ko Bank of Africa Rwanda Plc igomba gusubiza Ntwarabakiga na Mukantabana Ellen

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icyangombwa cy’umutungo utimukanwa ubaruye kuri UPI:1/03/03/02/603 rushingiye ku kimenyetso cya To whom it may concern" cyo kuwa 03/03/2022, gikubiyemo amasoko All ʺ General Suplliers Company Ltd yari yakoze mu Karere ka Karongi kandi yashoje neza ikanishyurwa, nk’uko bigaragara mu isesengura Urukiko rwakoze mu gika cya 7 cy’urwo rubanza. [21] Akomeza avuga ko urukiko rwashingiye kandi ku nama yo kuwa 03/03/2022 yahuje impande zose n’abakozi ba RDB imenyi Gerson n’umunyamategeko wabo, abakozi ba RDB harimo Umwanditsi Mukuru, aho hemejwe ko icyangombwa cy’umutungo watanzweho ingwate cyasubizwa, ariko bene All General Suplliers Company Ltd babanje gutanga indi ngwate, Bank of Africa Rwanda Plc ikayikorera igenagaciro ndetse ikanayandikisha, ibyo bikaba byaragombaga kuba byararangiye kuwa 31/05/2022, All General Suplliers Company Ltd ikaba yasimbuje iyo ngwate indi mitungo, ariko ko Banki itakoze inshingano zayo nubwo yari yamaze guhabwa imitungo ya All General Suplliers Company Ltd. [22] Avuga kandi ko mu gika cya 9 cy’urubanza RCOM00723/2022/TC, Urukiko rw’Ubucuruzi rwanashingiye ku kuba ligne de crédit itaragombaga kurenga miliyoni ijana (100.000.000Frw) kandi ko iryo soko rya Karongi ryarangiye rifite agaciro ka miliyoni magana abiri (200.000.000Frw), ariko Bank of Africa Rwanda Plc ikaba yarananiwe gusobanura uburyo iryo soko ryarangijwe rikishyurwa ntiyiyishyure, ahubwo nyuma igatanga irindi soko rya miliyoni magana abiri na mirongo itandatu (260.000.000Frw), maze Urukiko rugasanga uko kutiyishyura bitagira ingaruka ku ngwate yari yaratanzwe. Ko rwanashingiye ku kuba All General Suplliers Company Ltd yari ifite indi mitungo i Karongi mu Mujyi, Bank of Africa Rwanda Plc ikavuga ko itari kureka ingwate yo mu Mujyi ngo ijye gufata iyo mu giturage, kandi ko ingwate yatijwe yagombaga kumara amezi atatu (3) gusa n’andi atatu (3) yo gushyira ibintu ku murongo nk’uko byari bikuriye mu masezerano y’inguzanyo, ko ariko na n’ubu Bank of Africa Rwanda Plc ikiyifite. [23] Me Manirafasha Jean Paul akomeza avuga ko Urukiko Rukuru, mu gika cya 15 cy’urubanza RCOMA00661/2022/HCC rujuririrwa, na rwo rwasuzumye ibirebana no kumenya niba icyangombwa cy’umutungo ufite UPI:1/03/03/02/603 cyaguma mu bugwate, rusanga umwenda wa 100.000.000Frw wari wishingiwe waramaze kwishyurwa, kandi ko mu masezerano y’ubwishingire impande zose zari zumvikanye ko ingwate izarekurwa umwenda wishingiwe umaze kwishyurwa, ko nta mpamvu yatuma Banki igumana ingwate yatanzwe na Ntwarabakiga Emile n’umugore we. [24] Me Manirafasha Jean Paul avuga ko, hashingiwe ku gika cya 3 cy’ingingo ya 52 y’Itegeko Nº 30/2018 ryo ku wa 02/06/2018 rigena ububasha bw’inkiko, ubujurire bwa 2 bwa Bank of Africa Rwanda Plc budakwiye kwakirwa kuko yatsinzwe mu nkiko zibanza hashingiwe ku mpamvu zimwe. [25] All General Suplliers Company LTD ihagarariwe na Nzigiyimana Philippe wunganirwa na Me Turahirwa Théogène yatanze inzitizi yo kutakira ubujurire bwa Bank of Africa Rwanda Plc, kubera ko mu rubanza RCOM00723/2022/TC Urukiko rw’Ubucuruzi rwemeje ko itsinzwe hashingiwe ku kuba isoko ryarakozwe, ibyo bikagarukwaho mu gika cya 15 cy’Urubanza RCOMA00661/2022/HCC rujuririrwa, aho Urukiko rwavuze ko Bank of Africa Rwanda Plc itsinzwe no kuba itarashoboye kuvuguruza ibyashingiweho ku rwego rubanza iyo Banki

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itsinzwe, bityo hakagumaho imikirize y’urubanza RCOM00723/2022/TC yajuririye, ko aha bigaragara ko impamvu zashingiweho mu nkiko zombi ari zimwe, bityo ko ubujurire bwayo budakwiye kwakirwa. [26] Me Rwigema Vincent uburanira Bank of Africa Rwanda Plc mu kwiregura ku nzitizi, avuga ko Banki itigeze itsindwa ku mpamvu zimwe, ko mu gika cya 12 cy’urubanza rwaciwe n’Urukiko rw’Ubucuruzi, uru rwemeje ko nubwo umwenda utarangiye nyamara ngo Banki yashoboraga kwiyishyura kubera ko amafaranga yanyuze kuri konti ya All General Suplliers Company iri muri iyi Banki; kuri iyi ngingo Urukiko Rukuru rw’Ubucuruzi rukaba rwaravuze ko umwenda wose wamaze kwishyurwa, bivuze ko inkiko zombi zitabibonye ku buryo bumwe. Akomeza avuga ko Urukiko rw’Ubucuruzi rwemeje ko ingwate yagombaga kumara igihe cy’amezi atatu naho Urukiko Rukuru rw’Ubucuruzi ruvuga ko mu masezerano y’ubwishingire habonekamo ko ingwate yagombaga kumara igihe cy’amezi 12, ko kandi Urukiko Rukuru rw’Ubucuruzi rwashingiye ku kimenyetso cya “historique du compte”, ikimenyetso kitigeze gishingirwaho n’Urukiko rw’Ubucuruzi. Akomeza avuga ko mu rubanza RCOM00723/2022/TC Urukiko rw’Ubucuruzi rwashingiye icyemezo cyarwo ku nama yabaye hagati y’impande zose zirebwa n’ikibazo hamwe n’Ubuyobozi bwa RDB, nyamara ko mu rubanza RCOMA 00661/2022/HCC Urukiko Rukuru rw’Ubucuruzi rutayishingiyeho icyemezo cyarwo, bityo ko inzitizi yatanzwe nta shingiro ifite kuko impamvu zashingiweho n’inkiko zombi, zitandukanye. Uko Urukiko rubibona [27] Iki kibazo cyatanzweho umurongo n’Urukiko rw’Ikirenga mu rubanza RS/INJUST/RCom 0000/2020 rwaciwe ku wa 29/09/2020 haburana Road solutions pavement products na MAIL Co Ltd aho rwemeje ko “mu gusuzuma niba umuburanyi yaratsinzwe mu nkiko zombi zabanje hashingiwe ku mpamvu zimwe, harebwa icyaburanwaga n’imitekerereze ya buri Rukiko (raisonnement juridique) mu kugaragaza impamvu zashingiweho kugira ngo rugere ku cyemezo rwafashe, hitawe ku kureba niba ingingo zaburanywe mbere arizo zagarutsweho mu bujurire kandi ko inkiko zombi zazishubijeho mu buryo bumwe”. [28] Urukiko rurasanga ikibazo cyagiweho impaka mu nkiko zombi ari icyo kumenya niba Ntwarabakiga Emile yasubizwa umutungo we (UPI :1/03/03/02/603) we n’umugore we (+) bari batije All General Suplliers Company Ltd ku bw’umwenda yari yahawe na Banque of Africa Rwanda. [29] Urukiko Rurasanga Urukiko rw’Ubucuruzi rwaremeje ko umutungo uvuzwe uva mu bugwate ugasubizwa bene wo kubera ko umwenda wari wishingiwe wamaze kwishyurwa, ko igihe cyagenewe ingwate (3mois) cyarangiye kandi ko umwenda Bank of Africa Rwanda yishyuza All General Suplliers Company Ltd utishingiwe n’ingwate ivugwa. [30] Urukiko rurasanga ku bujurire bwa Bank of Africa Rwanda bwasabaga ko ingwate yaguma mu maboko yayo kubera ko All General Suplliers Company Ltd ikiyifitiye umwenda, mu gika cya 15 cy’urubanza rwarwo, Urukiko Rukuru rw’Ubucuruzi rwashimangiye icyemezo cyafashwe n’Urukiko rw’Ubucuruzi narwo rushingiye ku kuba amasezerano agaragaza ko ingwate yishingiye umwenda utarenze 100.000.000Frw All General Suplliers Company td yahawe, kandi ko ba nyiri umutungo banze ko umutungo wabo wishingira undi mwenda, ko isoko ryari ryishingiwe ryarangiye. Urukiko rwasanze harabayeho ukwibeshya ku gihe ingwate

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yagombaga kumara, aho Urukiko rw’Ubucuruzi rwavuze ko ari amezi 3 nyamara mu masezerano handitse ko ari amezi 12, nyamara rusanga ibyo bitagize ikibazo kuko mu masezerano byanditswe ko umutungo uzakomeza kuba ingwate kugeza igihe umwenda wishingiwe wishyuwe kandi uyu mwenda ukaba warishyuwe. [31] Urukiko rurasanga impamvu ari zimwe inkiko zombi zashingiyeho zikemura ikibazo cyo kumenya niba umutungo UPI :1/03/03/02/603 wavanwa mu bugwate bwa Bank of Africa Rwanda, iby’igihe ingwate yateganyirijwe, inkiko zitahurijeho bikaba bitagize impamvu yo gutsindwa kwa Banque, ahubwo inkiko zombi zihuza igihe cy’ingwate n’igihe umwenda wamaze, umwenda inkiko zombi zemeza ko uwo Ntwarabakiga na Mukantabana bishingiye wamaze kwishyurwa. [32] Urukiko rurasanga, hashingiwe ku gika cya 3 cy’ingingo ya 52 y’Itegeko Nº 30/2018 ryo ku wa 02/06/2018 rigena ububasha bw’inkiko, ikirego cy’ubujurire bwa kabiri bwa Bank of Africa Rwanda Plc kidakwiye kwakirwa ngo gisuzumwe kuko umuburanyi yatsinzwe hashingiwe ku mpamvu zimwe mu nkiko zombi. Ku birebana n’indishyi z’ikurikiranarubanza  [33] Hashingiwe ku ngingo ya 111 y’Itegeko N° 22/2018 ryavuzwe haruguru, buri ruhande rwasabye amafaranga y’igihembo cya Avoka n’ay’ikurikiranarubanza kandi impande zose zisobanura ku byasabwe n’abandi. All General Suppliers Company Ltd, yasabye ko Bank of Africa Rwanda Plc yayiha amafaranga 1.000.000 y’igihembo cya Avoka n’amafaranga ibihumbi magana abiri (200.000Frw) y’ikurikiranarubanza. Ntwarabakiga Emile uburanirwa na Me Rwigema Vincent asaba ko Bank of Africa Rwanda Plc yamuha amafaranga 1.000.000 y’igihembo cya Avoka n’amafaranga 500.000 y’ikurikiranarubanza kubera kumushora mu manza ; naho Bank of Africa Rwanda PLC isaba ko Ntwarabakiga Emille na All General Suppliers Company Ltd bafatanya kuyiha amafaranga 2.000.000 y’igihembo cya Avoka n’amafaranga 500.000 y’ikurikiranarubanza. Uko Urukiko rubibona [34] Ingingo ya 111 y’Itegeko Nº22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, igira iti : “Ikirego cy’amafaranga y’ikurikiranarubanza ari ikirego gishamikira ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza kandi ko kiburanishirizwa rimwe n’ikirego cy’iremezo”. [35] Urukiko rurasanga, kuba Bank of Africa Rwanda Plc itsindwa no kuba yaratanze ubujurire bunyuranyije n’amategeko, ariyo igomba gusubiza ababuranyi yareze, amafaranga bakoresheje kuri uru rwego. Rurasanga, amafaranga yasabwe, nta bipimo bifatika abayasaba bashingiraho, ariyo mpamvu, mu bushishozi bwarwo, rushingiye kandi ku kuba uru rubanza rurangijwe n’inzitizi yo kutakira ubujurire, rusanga biri mu rugero rukwiye ko Bank of Africa Rwanda Plc iha Ntwarabakiga Emile na All General Suppliers Ltd, kuri buri wese amafaranga 500.000Frw y’igihembo cya Avoka n’amafaranga 300.000 y’ikurikiranarubanza. ICYEMEZO CY’URUKIKO

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[36] Rwemeje kutakira ubujurire bwatanzwe na Bank of Africa Rwanda Plc. [37] Rutegetse Bank of Africa Rwanda Plc guha Ntwarabakiga Emile amafaranga ibihumbi Maganatanu (500.000Frw) y’igihembo cya Avoka n’amafaranga ibihumbi maganatatu (300.000Frw) y’ikurikirana rubanza. [38] Rutegetse Bank of Africa Rwanda Plc guha All General Suppliers Company Ltd amafaranga ibihumbi maganatanu (500.000Frw) y’igihembo cya Avoka n’amafaranga ibihumbi maganatatu (300.000Frw) y’ikurikirana rubanza. [39] Rutegetse ko amafaranga yatanzweho ingwate y’amagarama ahera mu Isanduku ya Leta kuko ahwanye n’imirimo yarukozweho.