BANKI YA KIGALI Ltd v. SIMBANKA

BANKI YA KIGALI Ltd v. SIMBANKA

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2015-09-11 - Case/document no.: RCOMA 0059/13/CS - Collection: Supreme Court

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BANKI YA KIGALI Ltd v. SIMBANKA [Rwanda URUKIKO RW’IKIRENGA – RCOMA 0059/13/CS (Mukanyundo, P.J., Rugabirwa na Ngagi, J.) 11 Nzeri 2015] Amategeko agenga imiburanishirize y’imanza z’ubucuruzi – Irangizarubanza – Kwakira ubujurire – Ubujurire bugomba kwakirwa kuko ikibazo cyatanzwe cyiterekeranye n’imihango y’ifatira, ko ahubwo kirebana n’ishyirwa mu bikorwa ry’irangiza ry’urubanza, Ubujurire bugomba kwakirwa kuko bwatanzwe mu buryo n’inzira byemewe n’amategeko, Itegeko n° 21/2012

ryo

kuwa

14/06/2012

ryerekeye

imiburanishirize

y’imanza z’imbonezamubano,iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 208. Amategeko agenga imiburanishirize y’imanza z’ubucuruzi – Ububasha bw’Urukiko Rukuru rw’Ubucuruzi – Kuba Banki itarigeze igaragariza Umuhesha w’Inkiko ko hari umuhango w’ifatira utarubahirijwe mbere yo gufatira amafaranga, bigaragaza ko ikibazo yagize atari ikibazo cyerekeranye n’imihango y’ifatira, ko ahubwo ari ikibazo kirebana n’impaka zavutse mu gihe cy’ifatira rijyanye n’irangizarubanza, Itegeko° 21/2012 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano,iz’ubucuruzi,iz’umurimo n’iz’ubutegetsi, Ingingo ya 208, ya 254,ya 309. Indishyi – Indishyi z’ikurikiranarubanza n’igihembo cy’Avoka – Zitangwa n‘uwareze iyo bigaragara ko hari amafaranga uwarezwe yatanze akurikirana uru rubanza no kuba yaraburaniwe na Avoka, ariko akagenwa mu bushishozi bw’urukiko iyo ayo asabye ari menshi, Itegeko ryo kuwa 30/07/1888, ingingo ya 258. Incamake y’ikibazo: Mu rwego rwo kurangiza urubanza Simbanka Eugenie yaburanye na Hotel le Petit Prince, hiyambajwe umuhesha w’inkiko w’umwuga Ruganda Cryspin wategetse BK gufatira 11.000.000 frws yari kuri konti ya Mukamazimpaka Symphrose nyiri Hotel kugirango ayo mafaranga ashyirwe kuri konti y’uwo muhesha w’inkiko, bityo akazavamo ubwishyu bwa Simbanka kurubanza. B.K yanze gufatira ayo mafaranga ku mpamvu z’uko konti yafatiriwe

atari ya Hotel le Petit Prince, ko ahubwo ari iya Mukamazimpaka Symphrose utarabaye umuburanyi muri urwo rubanza. Simbanka Eugenie yareze BK mu Rukiko Rukuru rw’Ubucuruzi asaba ko yamwishyura 11.000.000 frws itafatiriye, anasaba indishyi zinyuranye zikomoka kuri icyo gikorwa avuga ko cyamwangirije. BK nayo yatanze inzitizi y’iburabubasha bw’urukiko rukuru rw’ubucuruzi ivuga ko ikibazo yarushyikirije cyerekeranye n’imihango y’ifatira gikemurwa n’icyemezo cya Perezida w’urukiko rw’ibanze aho kuba impaka zivutse igihe cy’irangizarubanza zikemurwa n’urukiko rwaruciye ubwa nyuma. BK yajuririye urwo rubanza mu Rukiko rw’Ikirenga isaba ko ubujurire bwayo bukwiye kwakirwa kuko yajuririye icyemezo cyafashwe n’urukiko rukuru rw’ubucuruzi ku nzitizi y’iburabubasha yarwo kandi rutari rufite ububasha bwo bwo kuburanisha uru rubanza ku rwego rwa mbere. Uhagarariye Simbanka avuga ko yatanze inzitizi igamije kutakira ubujurire bwa BK kuko yajuriye kandi itaragombaga kujurira kuko impaka zivutse mu irangiza rubanza zikemurwa n’urukiko rwaruciye ubwa nyuma kandi rutajuririrwa, avuga ko BK yari kwiyambaza inzira

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y’akarengane mu gihe yumvaga ibanagamiwe n’urubanza rutajuririrwa. Uhagarariye BK we avuga ko iyo nzitizi nta shingiro ifite, ko ahubwo ubujurire bwayo bukwiye kwakirwa kubera ko yajuririye icyemezo cyafashwe n’urukiko rukuru rw’ubucuruzi ku nzitizi y’iburabubasha hamwe n’urubanza mu mizi kubera ko urwo rukiko rwemeje ko rufite bwo kuburanisha urwo rubanza. BK ivuga ko Urukiko Rukuru rw’Ubucuruzi rutari rufite ububasha bwo kuburanisha urwo rubanza kubera ko ikibazo Simbanka yarushyikirije kirebana nuko BK yanze gufatira amafaranga ya Simbanka. Uburanira Simbanka we akavuga ko Urukiko Rukuru rw’Ubucuruzi rwari rufite ububasha bwo kuburanisha uru rubanza kubera ko ikibazo cy’amazina yari kuri konti cyatumye BK itayafatira. Simbanka avuga ko atanze ubujurire bwuririye ku bundi avuga ko mu gihe ubujurire bwa BK butakiriwe, yategekwa kumuha amafaranga y’ikurikiranarubanza. BK yo ikavuga ko mu gihe ubujurire butakiriwe, asanga ntaho CS yahera iyitegeka kumuha indishyi asaba. Incamake y’icyemezo: 1.Urukiko Rukuru rw’Ubucuruzi rufite ububasha bwo kuburanisha uru rubanza kubera ko ikibazo rwashyikirijwe n’uregwa kirebana n’ishyirwa mu bikorwa ry’irangizarubanza, aho kuba ikibazo kijyanye n’imihango y’ifatira kuko yose yakozwe ikarangira, bityo ubujurire bwayo bukaba bugomba kwakirwa kuko bwatanzwe mu buryo n’inzira byemewe n’amategeko.

2. Kuba Banki itarigeze igaragariza Umuhesha w’Inkiko ko hari umuhango w’ifatira utarubahirijwe mbere yo gufatira amafaranga , ibyo rero bikaba bigaragaza ko ikibazo yagize atari ikibazo cyerekeranye n’imihango y’ifatira, ko ahubwo ari ikibazo kirebana n’impaka zavutse mu gihe cy’ifatira rijyanye n’irangizarubanza ubwaryo kiri mu bubasha bw’Urukiko Rukuru rw’Ubucuruzi.

3. Banki igomba guha uregwa amafaranga y’ikurikiranarubanza n’igihembo cya Avoka yo kuri uru rwego kuko bigaragara ko hari amafaranga yatanze akurikirana uru rubanza no kuba yaraburaniwe na Avoka ariko akagenwa mu bushishozi bw’urukiko iyo asabye menshi. Ubujurire nta shingiro bufite. Ubujurire bwuririye kubundi bufite ishingiro. Amagarama y’urubanza aherereye kuwareze. 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 208, Itegeko° 21/2012 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi,iz’umurimo n’iz’ubutegetsi, Ingingo ya 208, ya 254,ya 309, Itegeko ryo kuwa 30/07/1888, ingingo ya 258. Nta manza zifashishijwe

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Urubanza I. IMITERERE Y’URUBANZA [1] Simbanka Eugénie yaburanye na Hotel Le Petit Prince urubanza n°RCOMA 0378/11/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi ruri i Kigali kuwa 17/05/2012 rwakosowe n’urubanza n° RCOM 0275/12/HCC rwaciwe n’urwo Rukiko kuwa 07/09/2012, ayitsindira 15.789.475 Frw. [2] Mu rwego rwo kurangiza urwo rubanza, Simbanka Eugénie yiyambaje Umuhesha w’Inkiko w’Umwuga witwa Ruganda Cryspin wategetse Banki ya Kigali Ltd gufatira 11.000.000 Frw yari kuri konti nº 050-0302845-28 ya Mukamazimpaka Symphrose/Hotel Le Petit Prince muri iyo Banki kugira ngo ashyirwe kuri konti nº 463-2293926-11 y’uwo Muhesha w’Inkiko iri muri Banki y’Abaturage kugira ngo azavemo ubwishyu bwa Simbanka Eugénie kubera urubanza yatsinze rwavuzwe haruguru, ariko Banki ya Kigali Ltd yanga gufatira ayo mafaranga ku mpamvu z’uko konti nº 050-0302845-28 yafatiriwe atari iya Hotel Le Petit Prince yatsinzwe urubanza, ko ahubwo ari iya Mukamazimpaka Symphrose utarabaye umuburanyi muri urwo rubanza. [3] Simbanka Eugénie yareze Banki ya Kigali Ltd mu Rukiko Rukuru rw’Ubucuruzi asaba ko yamwishyura 11.000.000 Frw itafatiriye, ikanamuha n’indishyi zinyuranye zikomoka kuri icyo gikorwa cyamwangirije. [4] Iburanisha ry’urubanza ritangiye, Banki ya Kigali Ltd yatanze inzitizi y’iburabubasha bw’Urukiko Rukuru rw’Ubucuruzi kubera ko ikibazo yarushyikirije cyerekeranye n’imihango y’ifatira gikemurwa

n’icyemezo cya Perezida w’Urukiko rw’Ibanze cyangwa Perezida w’Urukiko rw’Ubucuruzi nk’uko biteganywa n’ingingo ya 309 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, aho kuba impaka zivutse igihe cy’irangizarubanza zikemurwa n’urukiko rwaruciye bwa nyuma hashingiwe ku ngingo ya 208 y’Itegeko ryavuzwe haruguru. [5] Urukiko Rukuru rw’Ubucuruzi rwafashe icyemezo kuri iyo nzitizi, rwemeza ko rufite ububasha bwo kuburanisha urwo rubanza kubera ko ikibazo rwashyikirijwe na Simbanka Eugénie kirebana n’ishyirwa mu bikorwa ry’irangizarubanza, aho kuba ikibazo kijyanye n’imihango y’ifatira kuko yose yakozwe ikarangira. [6] Ku bijyanye n’urubanza mu mizi, urwo Rukiko rwategetse Banki ya Kigali Ltd guha Simbanka Eugénie 1.500.000 Frw y’indishyi z’akababaro n’igihombo yetewe n’ubushishozi bucye bwo kudafatira 11.000.000 Frw yari kuri konti nº 050-0302845-28 ya Hotel Le Petit Prince/Mukamazimpaka, ikanamuha 1.000.000 Frw y’ikurikiranarubanza n’igihembo cya Avoka, ikanacibwa 100.000 Frw buri kwezi y’igihano kiyihatira kurangiza urubanza. [7] Banki ya Kigali Ltd yajuririye urwo rubanza mu Rukiko rw’Ikirenga ivuga ko ubujurire bwayo bukwiye kwakirwa kuko yajuririye icyemezo cyafashwe n’Urukiko Rukuru rw’Ubucuruzi ku nzitizi y’iburabubasha yarwo, ko kandi rutari rufite ububasha bwo kuburanisha

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uru rubanza ku rwego rwa mbere bitewe n’uko ikirego rwaregewe na Simbanka Eugénie kirebana n’imihango y’ifatira kikaba kiri mu bubasha bwa Perezida w’Urukiko rw’Ibanze cyangwa Perezida w’Urukiko rw’Ubucuruzi, aho kuba ikibazo cyerekeranye n’impaka zavutse igihe cyo kurangiza urubanza rwavuzwe haruguru, kiri mu bubasha bw’Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza bwa nyuma. [8] Urubanza rwaburanishijwe mu ruhame kuwa 14/07/2015, Banki ya Kigali Ltd ihagarariwe na Me Rusanganwa Jean Bosco, naho Simbanka Eugénie aburanirwa na Me Munyemana Gatsimbanyi Pascal. II. IBIBAZO BIRI MU RUBANZA N’ISESENGURWA RYABYO 1.Kumenya niba ubujurire bwa Banki ya Kigali Ltd budakwiye kwakirwa [9] Uburanira Simbanka Eugénie avuga ko atanze inzitizi igamije kutakira ubujurire bwa Banki ya Kigali Ltd kubera ko yajuririye urubanza n° RCOM 0014/13/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi kuwa 17/05/2013, nyamara rutajuririrwa kuko rwaciwe hashingiwe ku ngingo ya 208 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano,iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, iteganya ko impaka zivutse mu irangizwa ry’urubanza zikemurwa n’urukiko rwaruciye bwa nyuma, ko bene urwo rubanza rutajuririrwa. [10] Avuga kandi ko mu gihe Banki ya Kigali Ltd yumvaga ibangamiwe n’urubanza rwavuzwe haruguru bitewe n’uko rutajuririrwa, yagombaga kwiyambaza inzira y’akarengane iteganyijwe

mu Itegeko Ngenga nº 03/2012/OL ryo kuwa 13/06/2012 rigenga imitunganyirize, imikorere n’ububasha by’Urukiko rw’Ikirenga. [11] Uburanira Banki ya Kigali Ltd avuga ko iyo nzitizi nta shingiro ifite, ko ahubwo ubujurire bwayo bukwiye kwakirwa kubera ko yajuririye icyemezo cyafashwe n’Urukiko Rukuru rw’Ubucuruzi ku nzitizi y’iburabubasha bwarwo hamwe n’urubanza mu mizi nk’uko biteganywa n’ingingo ya 90, igika cya 2, y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryavuzwe haruguru, kubera ko urwo Rukiko rwemeje ko rufite ububasha bwo kuburanisha urwo rubanza. Uko urukiko rubibona [12] Ingingo ya 90, igika cya 2 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano,iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, iteganya ko “Iyo urukiko rwemeje ko rufite ububasha, umuburanyi utishimiye icyo cyemezo akijuririra hamwe n’urubanza rw’iremezo”. [13] Inyandiko y’imikirize y’urubanza n° RCOM 0014/13/HCC rwajuririwe muri uru Rukiko, mu gace karwo ka cyenda, igaragaza ko Urukiko Rukuru rw’Ubucuruzi rwemeje ko rufite ububasha bwo kuburanisha urwo rubanza kubera ko rwasanze inzitizi y’iburabubasha y’urwo Rukiko yatanzwe na Banki ya Kigali Ltd nta shingiro ifite bitewe n’uko rwasanze ikibazo rwashyikirijwe na Simbanka Eugénie cyiterekeranye n’imihango y’ifatira, ko ahubwo kirebana n’ishyirwa mu bikorwa ry’irangiza ry’urubanza riteganywa n’ingingo ya 208 y’Itegeko n° 21/2012 ryavuzwe haruguru.

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[14] Hashingiwe ku biteganywa n’iyo ngingo, Urukiko rurasanga Banki ya Kigali Ltd yaragombaga kujuririra icyemezo cyafashwe n’Urukiko Rukuru rw’Ubucuruzi kuri iyo nzitizi hamwe n’urubanza n° RCOM 0014/13/HCC rwaciwe mu mizi, bityo ubujurire bwayo bukaba bugomba kwakirwa kuko bwatanzwe mu buryo n’inzira byemewe n’amategeko.

2. Kumenya niba Urukiko Rukuru rw’Ubucuruzi rwari rufite ububasha bwo kuburanisha uru rubanza [15] Uburanira Banki ya Kigali Ltd avuga ko Urukiko Rukuru rw’Ubucuruzi rutari rufite ububasha bwo kuburanisha uru rubanza kubera ko ikibazo Simbanka Eugénie yarushyikirije ashingiye ku ngingo ya 208 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryavuzwe haruguru, atari impaka zavutse igihe cy’irangiza ry’urubanza n° RCOMA 0378/11/HCC-RCOM 0275/12/HCC, ko ahubwo ari ikijyanye n’imihango y’ifatira (difficultés de procédure), ko rero ari Perezida w’Urukiko rw’Ibanze cyangwa Perezida w’Urukiko rw’Ubucuruzi wagombaga kuburanisha uru rubanza mu buryo bw’inyandiko nsobanurakirego nk’uko biteganywa n’ingingo ya 309 y’iryo Tegeko, aho kuburanishwa n’Urukiko Rukuru rw’Ubucuruzi. [16] Asobanura ko Umuhesha w’Inkiko yategetse Banki ya Kigali Ltd gufatira 11.000.000 Frw yari kuri konti nº 050-0302845-28, ariko Banki ya Kigali Ltd yanga gufatira ayo mafaranga kubera ko yasanze ari kuri konti ya Mukamazimpaka Symphrose utarabaye umuburanyi mu rubanza rwarangizwaga kuko rwabaye hagati ya Simbanka Eugénie na Hotel Le Petit Prince yatsinzwe urwo rubanza, ko rero asanga ikibazo iyo Banki yahuye nacyo ari ikirebana n’imihango y’ifatira (difficultés de procédure) kiri mu bubasha bwa Perezida w’Urukiko rw’Ibanze cyangwa Perezida w’Urukiko rw’Ubucuruzi hashingiwe ku ngingo ya 309 yavuzwe haruguru, aho kuba mu

bubasha bw’Urukiko Rukuru rw’Ubucuruzi nk’uko byasobanuwe haruguru. [17] Uburanira Simbanka Eugénie avuga ko Urukiko Rukuru rw’Ubucuruzi rwari rufite ububasha bwo kuburanisha uru rubanza kubera ko ikibazo cy’amazina yari kuri konti nº 050- 0302845-28 cyatumye Banki ya Kigali Ltd idafatira 11.000.000 Frw yari kuri iyo konti ari icyerekeranye n’impaka zavutse igihe cy’irangiza ry’urubanza n° RCOM A 0378/11/HCC - RCOM 0275/12/HCC, akaba asanga kiri mu bubasha bw’Urukiko Rukuru rw’Ubucuruzi rwaburanishije urwo rubanza hashingiwe ku ngingo ya 208 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryavuzwe haruguru, aho kuba ikibazo kirebana n’imihango y’ifatira nk’uko Banki ya Kigali Ltd ibivuga, kubera ko iyo mihango yose yari yarakozwe n’Umuhesha w’Inkiko. Uko urukiko rubibona [18] Ingingo ya 309 y’Itegeko° 21/2012 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi,iz’umurimo n’iz’ubutegetsi, Banki ya Kigali Ltd ishingiraho ubujurire bwayo, iteganya ko “Ibibazo byose byerekeye imihango y’ifatira bivutse mu gihe cy’ifatira bikemurwa n’icyemezo cya Perezida w’Urukiko rw’ibanze cyangwa Perezida w’urukiko rw’ubucuruzi mu gihe harangizwa urubanza rwaciwe n’inkiko z’ubucuruzi. Bene ibyo birego biburanishwa hakurikijwe imihango yo kuburanisha inyandiko nsobanurakirego itanzwe n’umuburanyi umwe. Icyakora, icyo cyemezo kijuririrwa mu minsi cumi n’itanu (15) uhereye igihe ababuranyi bakimenyesherejwe”.

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[19] Naho ingingo ya 208 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryavuzwe haruguru, Simbanka Eugénie ashingiraho imyiregurire ye, iteganya ko “Impaka zishingiye ku irangiza ry’ urubanza ryaba riri gukorwa cyangwa ryararangiye zikemurwa n’urukiko rwaruciye bwa nyuma cyangwa urwemeje ko urubanza rwo mu mahanga rurangirizwa mu Rwanda mu gihe kitarenze iminsi cumi n’itanu (15) guhera igihe urukiko rwakiriye ikirego. Bene izo manza ntizijuririrwa”. [20] Ku bijyanye n’imihango ikurikizwa mu kurangiza urubanza ku gahato, ingingo ya 254 y’Itegeko ryavuzwe haruguru, iteganya ko “Buri fatirabwishyu ryo kurangiza urubanza ku gahato ribanzirizwa n’icyemezo gihatira kwishyura mu gihe kingana nibura n’amasaha makumyabiri n’ane (24) kirimo imenyesha ry’inyandikompesha y’icyishyuzwa niba ritarigeze rikorwa”. [21] Urukiko rurasanga ingingo ya 254 imaze kuvugwa haruguru itarondora mu buryo bwimbitse imihango ikurikizwa igihe cyo gufatira amafaranga ari kuri konti y’uwategetswe kwishyura, nyamara mu gihugu cy’Ubufaransa, iyo mihango iteganyijwe mu buryo bukurikira1: Umuhesha w’Inkiko agomba kubanza gushyikiriza Banki y’urimo umwenda inyandiko y’ifatira atabanje kubimumenyesha, Banki igahita imenyesha Umuhesha w’Inkiko amakonti ye n’umubare w’amafaranga uyariho, Umuhesha w’Inkiko akandika ayo makuru yahawe ku nyandiko-mvugo y’ifatira. Mu gihe cy’iminsi umunani (8) ikurikira iryo fatira,

Umuhesha w’Inkiko amenyesha ugomba kwishyura ifatira ryakozwe akanamushyikiriza inyandiko-mvugo y’ifatira igaragaza, cyane cyane ko afite igihe cy’iminsi 30 kugira ngo agaragaze ibyo atemera. [22] Ku birebana n’uru rubanza, dosiye y’urubanza igaragaza ko Umuhesha w’Inkiko w’Umwuga witwa Ruganda Cryspin, ashingiye ku rubanza n° RCOMA 0378/11/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi kuwa 17/05/2012 rwakosowe n’urubanza n° RCOM 0275/12/HCC rwaciwe n’urwo Rukiko kuwa 07/09/2012, yashyikirije Hotel Le Petit Prince mu izina ry’uyihagarariye, itegeko rye ryo kuwa 15/02/2013 ryishyuza 16.421.054 Frw Simbanka Eugénie yayitsindiye muri urwo rubanza, anayimenyesha ko nitishyura ayo mafaranga mu gihe cy’iminsi 15, hazakurikizwa inzira zose zijyanye no kwishyuza ayo mafaranga ku ngufu zirimo no kugurisha imitungo yayo. [23] Dosiye igaragaza kandi ko Umuhesha w’Inkiko w’Umwuga, yandikiye Hotel Le Petit Prince ayimenyesha ko kubera ko itishyuye ku bushake Simbanka Eugénie amafaranga yavuzwe haruguru, afatiriye 11.000.000 Frw ari kuri konti nº 050-0302845-28 ya Mukamazimpaka Symphrose/Hotel Le Petit Prince iri muri Banki ya Kigali Ltd nk’uko bigaragazwa n’inyandiko y’ifatiratambama (saisie-arrêt) yo kuwa 20/03/2013, anashyikiriza Banki ya Kigali Ltd inyandiko y’ifatiratambama ayitegeka gufatira ayo mafaranga, ikanayashyira kuri konti ye nº 463-2293926- 11 iri muri Banki y’Abaturage kugira ngo

azayishyure Simbanka Eugénie, anayisigira kopi y’urubanza n° RCOMA 0378/11/HCC -RCOM 0275/12/HCC rurangizwa ruteyeho kashe mpuruza, Banki ya Kigali Ltd nayo ibisinyira kuwa 20/03/2013. Iyi akaba ariyo igomba gufatwa 1Le déroulement de la saisie sur compte est le suivant : L’huissier délivre un acte de saisie à la banque sans que ce dernier en soit averti à l’avance. La Banque est tenue de déclarer sur–le- champ la nature et les comptes du débiteur ainsi que leur solde au jour de la saisie. Elle doit également faire connaitre l’existence éventuelle d’autres saisies pratiquées par d’autres créanciers. L’huissier recueille ces déclarations dans un procès-verbal de saisie. Le solde du du ou des comptes saisis devient totalement indisponible pendant 15 jours, délai nécessaire pour prendre en comptes les opérations dont la date est antérieure à la saisie. Dans les huit jours qui suivent l’acte de saisie, L’huissier doit en informer le débiteur en joignant copie du procès-verbal de saisie et en mentionnant notamment le délai de contestation qui est d’un mois à compter de l’information donnée au débiteur, par X, La Saisie sur compte bancaire, http,www.boursorama.com/patrimoin/vosdroitsvotreargent/fiche/l, consulté le 14/07/2015.

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nk’imihango y’ifatira yakozwe n’Umuhesha w’Inkiko mbere yo gufatira 11.000.000 Frw yari kuri konti yavuzwe haruguru. [24] Mu ibaruwa yayo yo kuwa 12/04/2013, Banki ya Kigali Ltd yasubije Umuhesha w’Inkiko w’Umwuga ko ifatiratambama yakoze kuri konti nº 050-0302845-28 rishingiye ku rubanza rwavuzwe haruguru, itarishyira mu bikorwa kubera ko iyo konti yafatiriwe atari iya Hotel Le Petit Prince yatsinzwe urubanza rurangizwa, ko ahubwo ari aya Mukamazimpaka Symphrose ku giti cye utarigeze uba umuburanyi muri urwo rubanza. [25] Hakurikijwe ibisobanuwe haruguru, Urukiko rurasanga Banki ya Kigali Ltd itarigeze igaragariza Umuhesha w’Inkiko ko hari umuhango w’ifatira utarubahirijwe mbere yo gufatira 11.000.000 Frw yari kuri konti nº 050-0302845-28 ya Mukamazimpaka Symphrose/Hotel Le Petit Prince, ahubwo icyo yamugaragarije uko ayo mafaranga yagombaga gufatirwa atari ay’uwatsinzwe urubanza n° RCOMA 0378/11/HCC- RCOM 0275/12/HCC, ko ahubwo ari aya Mukamazimpaka Symphrose utarigeze uba umuburanyi muri urwo rubanza, ibyo rero bikaba bigaragaza ko ikibazo Banki ya Kigali Ltd yagize atari ikibazo cyerekeranye n’imihango y’ifatira (difficultés de procédure) iteganywa n’ingingo ya 309 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryavuzwe haruguru, ko ahubwo ari ikibazo kirebana n’impaka zavutse mu gihe cy’ifatira rijyanye n’irangizarubanza ubwaryo (saisie-arrêt) kiri mu bubasha bw’Urukiko Rukuru rw’Ubucuruzi hashingiwe ku ngingo ya 208 y’iryo Tegeko nk’uko byemejwe n’uru Rukiko.

3. Kumenya niba ubujurire bwuririye ku bundi bwatanzwe na Simbanka Eugénie bufite ishingiro. [26] Uburanira Simbanka Eugénie avuga ko atanze ubujurire bwuririye ku bundi kugira ngo mu gihe ubujurire bwa Banki ya Kigali Ltd butakiriwe, yategekwa kumuha 800.000 Frw y’ikurikiranarubanza n’igihembo cya Avoka hashingiwe ku ngingo ya 258 y’Igitabo cya gatatu cy’urwunge rw’amategeko y’imbonezamubano no ku mabwiriza nº 002/2015 yo kuwa 18/05/2015 ya Perezida w’Urukiko rw’Ikirenga. [27] Uburanira Banki ya Kigali Ltd avuga ko mu gihe ubujurire bw’iremezo bwayo butakiriwe, asanga ntaho Urukiko rw’Ikirenga rwahera ruyitegeka guha Simbanka Eugénie izo ndishyi asaba. Uko urukiko rubibona [28] Ingingo ya 258 y’Igitabo cya gatatu cy’urwunge rw’amategeko y’imbonezamubano, iragira iti : “Igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse“. [29] Hashingiwe ku biteganywa n’iyo ngingo, Urukiko rurasanga Banki ya Kigali Ltd igomba guha Simbanka Eugénie 500.000 Frw y’ikurikiranarubanza n’igihembo cya Avoka yo kuri uru rwego kuko bigaragara ko hari amafaranga yatanze akurikirana uru rubanza no kuba yaraburaniwe na Avoka, akaba agenewe ayo mafaranga n’urukiko mu bushishozi bwarwo kuko ayo yasabye ari menshi. III. ICYEMEZO CY’URUKIKO

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[30] Rwemeje ko ubujurire bwatanzwe na Banki ya Kigali Ltd bwakiriwe kuko bwatanzwe mu buryo n’inzira byemewe n’amategeko, ariko ko nta shingiro bufite. [31] Rwemeje ko ubujurire bwuririye ku bundi bwatanzwe na Simbanka Eugénie bufite ishingiro. [32] Rutegetse Banki ya Kigali Ltd guha Simbanka Eugénie 500.000 Frw y’ikurikiranarubanza n’igihembo cya Avoka yo kuri uru rwego. [33] Ruvuze ko imikirize y’urubanza nº RCOM 0014/13/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi kuwa 17/05/2013 idahindutse. [34] Rutegetse Banki ya Kigali Ltd gutanga amagarama y’urubanza angana na 100.000 Frw.