CENTURY PARK LTD v. BANK OF KIGALI PLC

# CENTURY PARK LTD v. BANK OF KIGALI PLC

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2024-01-18 - Case/document no.: RCOMAA 00012/2023/CA - Collection: Court of Appeal

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CENTURY PARK LTD v. BANK OF KIGALI PLC [Rwanda URUKIKO RW’UBUJURIRE – RCOMAA 00012/2023/CA (Munyangeri, P.J., Mukamurenzi na Kamere, J.) 18 Mutarama 2024] Ububasha bw’Urukiko rw’Ubujurire – Ubujurire bwa kabiri – Gutsindwa ku mpamvu zimwe – Mu gusuzuma niba umuburanyi yaratsinzwe mu Nkiko zibanza hashingiwe ku mpamvu zimwe, harebwa ibibazo bisa byasuzumwe n’izo Nkiko, imitekerereze yazo kuri ibyo bibazo n’umwanzuro zabifasheho. Kuba ibibazo byasuzumirwa ku rwego rumwe, ntibisuzumirwe ku rundi, ntibyashyirwa mu isuzumwa ryo gutsindwa mu Nkiko zabanje hashingiwe ku mpamvu zimwe, kuko kugereranya ibyo bibazo bidashoboka. Incamake y’ikibazo: BANK OF KIGALI Plc yagiranye na CENTURY PARK Ltd amasezerano y’inguzanyo ingana na 1.596.901.963 Frw itangira kujya iwishyura ariko igezemo hagati birayinanira, bituma Bank of Kigali Plc iyirega mu Rukiko rw’Ubucuruzi isaba kwishyurwa. Mu icibwa ry’urubanza CENTURY PARK Ltd itireguyemo ndetse ntinitabemo kuko yandikiye Urukiko isaba kumvikana na Bank ariko yo ikabyanga, Urukiko rw’ubucuruzi rwemeje ko igomba kwishyura BK umwenda ungana na miliyari ebyiri, miliyoni ijana na cumi n’icyenda, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na mirongo itatu na rimwe (2.119.697.631 Frw). CENTURY PARK Ltd yajuriye icyo cyemezo mu Rukiko Rukuru rw’Ubucuruzi ivugako itemera uburyo uwo mwenda wabazwemo, Urwo Rukiko mu guca urubanza rwemeza ko ubujurire nta shingiro bufite ko nta gihidutse ku rubanza rujuririrwa. CENTURY PARK Ltd itishimiye imikirize y’urubanza yajuririye mu Rukiko rw’Ubujurire, mu iburanisha ry’urwo rubanza, uregwa atanga inzitizi yo kutakira ubujurire kubera ko kuba uwajuriye yaratsinzwe mu Nkiko zombi hashingiwe ku mpamvu zimwe bituma Ubujurire bwe butagomba kwakirwa n’Urukiko rw’Ubujurire. Uwajuriye yireguye kuri iyi nzitizi avuga ko nta shingiro ifite, kubera ko Inkiko zombi zasuzumye ingingo zitandukanye, hakaba rero hatavugwa ko yatsinzwe hashingiwe ku mpamvu zimwe mu gihe ibyasuzumwe atari bimwe. Incamake y’icyemezo: Mu gusuzuma niba umuburanyi yaratsinzwe mu Nkiko zibanza hashingiwe ku mpamvu zimwe, harebwa ibibazo bisa byasuzumwe n’izo Nkiko, imitekerereze yazo kuri ibyo bibazo n’umwanzuro zabifasheho. Kuba ibibazo byasuzumirwa ku rwego rumwe, ntibisuzumirwe ku rundi, ntibyashyirwa mu isuzumwa ryo gutsindwa mu Nkiko zabanje hashingiwe ku mpamvu zimwe, kuko kugereranya ibyo bibazo bidashoboka. Inzitizi ifite ishingiro. Amagarama ahwanye n’ibyakozwe mu rubanza. Amategeko yifashishijwe: Nta mategeko yifashishijwe

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Imanza zifashishijwe: Urubanza RCOMAA 00034/2016/SC; UWASE Claudine vs Banki ya Kigali, B&N General Supply Company Ltd, RDB rwaciwe n’Urukiko rw’Ikirenga ku wa 23/03/2018; Urubanza RS/INJUST/RCOM 00002/2020/SC; Road Solution Pavement Product vs MAILCO Ltd rwaciwe n’Urukiko rw’Ikirenga ku wa 25/09/2020; Urubanza rubanziriza urundi mu rubanza RCOMAA 00010/2018/CA; Koperative Dukundumurimo (KOADU) vs King Construction and Service Company Ltd (KICOSEKA Ltd) rwaciwe n’Urukiko rw’Ubujurire ku wa 15/03/2021; Urubanza RCOMAA 00087/2022/CA; Bank of Kigali vs Gate Hills Estate Ltd na GASHUMBA Emmanuel, rwaciwe n’Urukiko rw’Ubujurire ku wa 20/01/2023; Urubanza RS/INJUST/RCOM 00005/2020/SC; Banque Populaire du Rwanda Atlas Mara Plc vs NKUSI Evariste rwaciwe n’Urukiko rw’Ikirenga ku wa 27/11/2020. Urubanza I. IMITERERE Y’URUBANZA [1] Ku wa 31/01/2012, BANK OF KIGALI Plc yagiranye na CENTURY PARK Ltd amasezerano y’inguzanyo afite agaciro k’amafaranga miliyoni magana atandatu (600.000.000 Frw), aza kuvugururwa (restructuring) hiyongeraho umwenda wa overdraft ku buryo ku wa 31/05/2014, umwenda wose wabaye amafaranga miliyari imwe, miliyoni magana atanu na mirongo icyenda n’esheshatu, ibihumbi magana acyenda na kimwe na magana acyenda na mirongo itandatu n’atatu (1.596.901.963 Frw) nk’uko bigaragazwa n’amasezerano mashya yo ku wa 13/05/2014. CENTURY PARK Ltd yatangiye kwishyura umwenda hakurikijwe amasezerano mashya nk’uko bigaragazwa na historique ya Banki yo kuva ku wa 30/06/2014 kugeza ku wa 31/03/2019, ariko bigeze nyuma inanirwa kwishyura. [2] Ku wa 09/04/2021, BANK OF KIGALI Plc yareze CENTURY PARK Ltd mu Rukiko rw’Ubucuruzi, isaba kwishyurwa umwenda ungana n’amafaranga miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw) ubazwe kugeza ku wa 31/03/2021, hakubiyemo umwenda remezo wari usigaye kwishyurwa ungana n’amafaranga miliyari imwe, miliyoni ijana na mirongo ine n’icyenda, ibihumbi magana atanu na mirongo itanu na magana abiri na makumyabiri n’atandatu (1.149.550.226 Frw), ibirarane ku mwenda remezo bingana n’amafaranga miliyoni magana abiri na makumyabiri n’icyenda, ibihumbi ijana na mirongo itandatu na birindwi na magana atatu na cumi n’atandatu (229.167.316 Frw), inyungu zisanzwe zingana n’amafaranga ibihumbi magana ane na mirongo itatu na bitatu na magana ane na mirongo itandatu n’atandatu (433.466 Frw), inyungu z’ubukererwe zingana n’amafaranga miliyoni magana atatu n’esheshatu, ibihumbi magana atanu na mirongo irindwi n’icyenda na magana atanu n’atatu (306.579.503 Frw). [3] CENTURY PARK Ltd ntiyireguye kuri icyo kirego ntiyanitabira iburanisha, ikaba yari yarandikiye Urukiko isaba ko iburanisha risubikwa kugira ngo ibanze yumvikane na Banki barangize ikibazo ku neza, Banki yanga ko bajya mu biganiro by’ubwumvikane inasaba ko urubanza ruburanishwa CENTURY PARK Ltd idahari irabyemererwa.

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[4] Mu rubanza RCOM 00375/2021/TC rwaciwe n’Urukiko rw’Ubucuruzi ku wa 08/12/2021, urwo Rukiko rushingiye ku ngingo ya 64 y’Itegeko N˚ 45/2011 ryo ku wa 25/11/2011 rigenga amasezerano no ku ngingo ya 111 y’Itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, rwemeje ko : - Urubanza rwaburanishijwe CENTURY PARK Ltd ititabye ; - CENTURY PARK Ltd igomba kwishyura BANK OF KIGALI Plc amafaranga angana na miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw) y’umwenda remezo iyibereyemo, inyungu zisanzwe n’iz’ubukererwe nk’uko yayaregeye, yose akomoka ku nguzanyo BANK OF KIGALI Plc yayihaye ku wa 13/05/2014 ihwanye n’amafaranga miliyari imwe, miliyoni magana atanu na mirongo icyenda n’esheshatu, ibihumbi magana acyenda na kimwe na magana acyenda na mirongo itandatu n’atatu (1.596.901.963 Frw); - CENTURY PARK Ltd igomba kwishyura BANK OF KIGALI Plc amafaranga angana na miliyoni imwe (1.000.000 Frw) y’igihembo cya Avoka wayiburaniye, amafaranga ibihumbi ijana (100.000 Frw) y’ikurikiranarubanza n’amafaranga ibihumbi makumyabiri (20.000 Frw) y’ingwate y’amagarama yatanze irega ; - CENTURY PARK Ltd kwishyura BANK OF KIGALI Plc amafaranga angana na miliyari ebyiri, miliyoni ijana na cumi n’icyenda, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na mirongo itatu na rimwe (2.119.697.631 Frw). [5] CENTURY PARK Ltd yajuririye urwo rubanza mu Rukiko Rukuru rw’Ubucuruzi, inenga urubanza kuba : - Rwaremeje ko ibereyemo BANK OF KIGALI Plc umwenda ungana n’amafaranga miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw) ; - Rwarayitegetse guha BANK OF KIGALI Plc indishyi z’ikurikiranarubanza n’igihembo cya Avoka zingana n’amafaranga miliyoni imwe n’ibihumbi ijana (1.100.000 Frw) nta mpamvu zayo. Yashoje isaba Urukiko gutegeka BANK OF KIGALI Plc kuyiha amafaranga miliyoni ebyiri (2.000.000 Frw) y’igihembo cya Avoka n’amafaranga ibihumbi magana atanu (500.000 Frw) y’ikurikiranarubanza. [6] BANK OF KIGALI Plc yireguye ivuga ko kuba CENTURY PARK Ltd ivuga ko itemera umwenda iregwa kubera ko itazi uko wabazwe nta shingiro byahabwa, kubera ko yandikiwe amabaruwa menshi ayimenyesha uko umwenda uhagaze, ndetse no mu myanzuro itanga ikirego hakaba harasobanuwemo uko wabazwe. [7] Ku wa 28/12/2022 nyuma y’iburanisha ry’urubanza, CENTURY PARK Ltd yongereye mu rubanza ingingo y’ubujurire isaba gusuzuma niba ikirego cya BANK OF KIGALI Plc

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cyaragombaga kwakirwa mu gihe itabanje kubahiriza umuhango wo kugurisha ingwate. Urukiko rushingiye ku ngingo ya 75 y’Itegeko NO 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, rwasanze ipfundurwa ry’urubanza nta shingiro rifite kuko ibyo yasabaga bitateganyijwe mu masezerano yashingiragaho. [8] Mu rubanza RCOMA 00031/2021/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi ku wa 13/01/2023, urwo Rukiko rushingiye ku ngingo ya 12, igika cya mbere y’Itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ku ngingo ya 3 y’Itegeko N˚ 15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo no ku ngingo ya 111 y’Itegeko ryerekeye ibimenyetso mu manza n’itangwa ryabyo, rwemeje ko : - Ubujirire bwa CENTURY PARK Ltd nta shingiro bufite ; - Nta gihindutse ku mikirize y’urubanza RCOM 00375/2021/TC ; - Ibyategetswe muri urwo rubanza bishyirwa mu bikorwa ; - CENTURY PARK Ltd yishyura BANK OF KIGALI Plc amafaranga angana na miliyoni imwe (1.000.000 Frw) y’indishyi z’ikurikiranarubanza n’igihembo cya Avoka mu bujurire ; - Amafaranga ibihumbi mirongo ine (40.000 Frw) yishyuwe n’uwajuriye aherera ku Isanduku ya Leta. [9] Ku wa 12/02/2023, CENTURY PARK Ltd yajuririye urwo rubanza mu Rukiko rw’Ubujurire, ubujurire bwayo bwandikwa kuri RCOMAA 00012/2023/CA. Nyuma y’imihango y’inama ntegurarubanza, hemejwe ko urubanza ruzaburanishwa ku wa 08/01/2024, uwo munsi ababuranyi bose baritaba, CENTURY PARK Ltd ihagarariwe na Me Uwamahoro Marie Grâce afatanyije na Me Itete Mugaga Emmanuel, BANK OF KIGALI Plc ihagarariwe na Me Rutabingwa Athanase. [10] CENTURY PARK Ltd inenga imikirize y’urubanza rwaciwe n’Urukiko Rukuru rw’Ubucuruzi kuba : a. rwaremeje ko ibereyemo BANK OF KIGALI Plc umwenda wose hamwe ungana n’amafaranga miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw) kandi atari byo ; b. rwarageneye BANK OF KIGALI Plc indishyi z’ikurikiranarubanza n’iz’igihembo cya Avoka zingana n’amafaranga miliyoni imwe n’ibihumbi ijana (1.100.000 Frw) nta mpamvu. Isoza isaba uru Rukiko gutegeka BANK OF KIGALI Plc kuyishyura amafaranga angana na miliyoni ebyiri (2.000.000 Frw) y’igihembo cya Avoka n’amafaranga ibihumbi magana atanu (500.000 Frw) y’ikurikiranarubanza. [11] Mbere yo kwiregura ku mpamvu z’ubujurire, uhagarariye BANK OF KIGALI Plc yatanze inzitizi yo kutakira ubujurire bwa CENTURY PARK Ltd kubera ko kuba yaratsinzwe

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mu Nkiko zombi zibanza hashingiwe ku mpamvu zimwe, ubujurire bwayo butari mu bubasha bw’uru Rukiko. Yanasabye ko mu gihe urubanza rwaramuka rugarukiye ku nzitizi, hasuzumwa n’ikibazo cy’amafaranga y’ibyagiye ku rubanza yasabwe. [12] Abahagarariye CENTURY PARK Ltd biregura kuri iyi nzitizi bavuga ko nta shingiro ifite, kubera ko Inkiko zombi zasuzumye ingingo zitandukanye, hakaba rero hatavugwa ko yatsinzwe hashingiwe ku mpamvu zimwe mu gihe ibyasuzumwe atari bimwe. [13] Nyuma y’izo mpaka, harasuzumwa ibibazo bikurikira : a. Kumenya niba CENTURY PARK Ltd yaratsinzwe mu Nkiko zibanza hashingiwe ku mpamvu zimwe b. Ibyerekeye amafaranga y’ikurikiranarubanza n’igihembo cya Avoka asabwa II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA 1. Kumenya niba ubujurire bwatanzwe na CENTURY PARK Ltd butari mu bubasha bw’Urukiko rw’Ubujurire [14] Uhagarariye BANK OF KIGALI Plc atanga inzitizi yo kutakira ubujurire bwa kabiri bwatanzwe na CENTURY PARK Ltd kubera ko yatsinzwe mu nkiko zombi zibanza hashingiwe ku mpamvu zimwe. Asobanura ko mu rubanza RCOM 00375/2021/TC rwaciwe ku wa 08/12/2021, Urukiko rw’Ubucuruzi rwasuzumye ikibazo cyo kumenya niba CENTURY PARK Ltd yategekwa kwishyura BANK OF KIGALI Plc amafaranga angana na miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw) y’umwenda n’inyungu, urwo Rukiko rusesenguye ibikubiye muri historique ya Banki, rusanga hari amasezerano y’umwenda CENTURY PARK Ltd itubahirije, rwanzura ko igomba kwishyura amafaranga iregwa. [15] Akomeza avuga ko mu rubanza RCOMA 00031/2022/HCC rwaciwe ku wa 13/01/2023, Urukiko Rukuru rw’Ubucuruzi rwasuzumye ikibazo cyo kumenya niba Urukiko rw’Ubucuruzi rwaremeje ko CENTURY PARK Ltd ibereyemo BANK OF KIGALI Plc umwenda wose hamwe ungana n’amafaranga miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw) kandi atari byo, maze mu isesengura rwakoze mu bika bya 20, 21, na 23, na rwo rusanga hari historique y’inguzanyo igaragaza ko CENTURY PARK Ltd itishyuye inguzanyo yahawe, ndetse itaranubahirije amasezerano y’inguzanyo na nyuma y’uko ihawe integuza, rwanzura ko igomba kwishyura amafaranga yagurijwe n’indishyi. [16] Asoza avuga ko icyo Inkiko zombi zibanza zihuriyeho mu isesengura ryazo, ari uko zagaragaje ko CENTURY PARK Ltd yatsinzwe hashingiwe ku kuba itarubahirije amasezerano y’inguzanyo yagiranye na BANK OF KIGALI Plc, ko rero hashingiwe ku murongo watanzwe n’Urukiko rw’Ikirenga mu rubanza RS/INJUST/RCOM 00003/2020/SC rwaciwe n’Urukiko rw’Ikirenga ku wa 27/11/2020 haburana UNIVERSITY OF RWANDA (UR) na SANLAM AG Plc, uru Rukiko rukwiye kwemeza ko ubujurire bwa CENTURY PARK Plc butari mu bubasha bwarwo.

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[17] Abahagarariye CENTURY PARK Ltd biregura kuri iyi nzitizi bavuga ko nta shingiro ifite. Basobanura ko ku rwego rubanza, Urukiko rw’Ubucuruzi rwasuzumye ikibazo kimwe cyonyine kirebana n’umwenda BANK OF KIGALI Plc yari yaregeye, rushingiye ku masezerano y’inguzanyo, rwemeza ko iberewemo umwenda wavuzwe haruguru, naho Urukiko Rukuru rw’Ubucuruzi rusuzuma ibibazo byinshi harimo icyo kumenya niba Urukiko rw’Ubucuruzi rwaremeje ko CENTURY PARK Ltd ibereyemo BANK OF KIGALI Plc umwenda ungana n’amafaranga miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw) atari byo, ikibazo cyo kumenya niba Urukiko rw’Ubucuruzi rwarageneye BANK OF KIGALI Plc indishyi z’ikurikiranarubanza n’iz’igihembo cya Avoka nta mpamvu, icyo kumenya niba indishyi zisabwa na buri ruhande mu bujurire zifite ishingiro, ndetse ko Urukiko Rukuru rw’Ubucuruzi rwasuzumye ikibazo cyo kumenya niba hashyirwaho umuhanga, iki kibazo kikaba kitarasuzumwe mu Rukiko rw’Ubucuruzi. Bavuga kandi ko mu Rukiko rw’Ubucuruzi bari basabye ko ikibazo kirangizwa mu bwumvikane ntirwagira icyo rubivugaho, naho Urukiko Rukuru rw’Ubucuruzi ruvuga kuri icyo kibazo cyo kumvikana kubera ko CENTURY PARK Ltd yari yakijuririye. [18] Basoza bavuga ko kuba Inkiko zombi zarasuzumye ibibazo bitandukanye, byumvikanisha ko n’ibyashingiweho mu gufata umwanzuro atari bimwe, bakaba basanga nta wavuga ko CENTURY PARK Ltd yatsinzwe mu nkiko zibanza hashingiwe ku mpamvu zimwe. Uko Urukiko rubibona [19] Impaka kuri iyi ngingo zishingiye ku kumenya niba CENTURY PARK Ltd yaratsinzwe mu Nkiko zombi zibanza hashingiwe ku mpamvu zimwe, bityo ubujurire bwa kabiri yatanze bukaba butaba mu bubasha bw’uru Rukiko. [20] Ikibazo cyerekeranye no gutsindwa mu nkiko zombi zibanza hashingiwe ku mpamvu zimwe cyafashweho umurongo mu manza zinyuranye zaciwe n’Urukiko rw’Ikirenga1 ndetse n’uru Rukiko rukurikiza uwo murongo, aho zagaragaje 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 ari zo zagarutsweho mu bujurire kandi ko inkiko zombi zazishubijeho mu buryo bumwe. Impamvu 1Zimwe muri izo manza harimo : -urubanza nº RCOMAA 00034/2016/SC rwo ku wa 23/03/2018 hagati ya UWASE Claudine vs Banki ya Kigali, B&N General Supply Company Ltd, RDB ; -urubanza nº RS/INJUST/RCOM 00002/2020/SC rwaciwe ku wa 25/09/2020, hagati ya Road Solution Pavement Product na MAILCO Ltd, igika cya 24 ; -urubanza rubanziriza urundi mu rubanza n˚ RCOMAA 00010/2018/CA haburana Koperative Dukundumurimo (KOADU) na King Construction and Service Company Ltd (KICOSEKA Ltd) rwaciwe n’Urukiko rw’Ubujurire ku wa 15/03/2021, igika cya 12 ; -urubanza n˚ RCOMAA 00087/2022/CA haburana Bank of Kigali Vs Gate Hills Estate Ltd na GASHUMBA Emmanuel, rwaciwe n’Urukiko rw’Ubujurire ku wa 20/01/2023, igika cya 29.

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zigomba gutandukanywa n’icyemezo cy’Urukiko, kuko impamvu ari yo ishingirwaho mu kugaragariza no gusobanurira ababuranyi icyatumye Urukiko rufata icyemezo. [21] Ikibazo gisa n’iki cyasuzumwe kandi mu rubanza RS/INJUST/RCOM 00005/2020/SC rwaciwe n’Urukiko rw’Ikirenga ku wa 27/11/2020, aho rwatanze umurongo ukurikira:” Mu kugenzura ko ingingo zaburanwe mbere ari na zo zaburanwe mu bujurire, hagomba kwitabwa ku isano remezo iri hagati y’imanza zombi kandi iyo mpamvu ikaba igaragarira mu mpamvu z’ubujurire n’umwanzuro urubanza ku rwego rwa kabiri rwazifasheho2 […]”.

[22] Urukiko rw’Ikirenga rukomeza rusobanura ko” […] gutsindwa ku mpamvu zimwe bigenzurwa hashingiwe ku ngingo zatumye umuburanyi ajurira, umwanzuro wazifashwemo n’impamvu zashingiweho n’inkiko zombi, bivuze ko ibindi ababuranyi bemerewe gusaba mu rwego rw’ubujurire nk’uko biteganywa n’ingingo ya 154 y’itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi nk’inyungu, ibyishyuwe ku bukode n’ibindi bintu by’inyongera n’ibindi bintu byabonetse nk’indishyi z’igihombo umuburanyi yagize kuva urubanza ku rwego rwa mbere ruciwe, kimwe no kugobokesha umuburanyi mu bujurire, bidashobora gushingirwaho hasuzumwa ko umuburanyi yatsinzwe ku mpamvu zimwe, ko rero nta n’uwakwitwaza umwanzuro wabifashwemo ashaka kumvikanisha ko atatsinzwe ku mpamvu zimwe, kuko ibyo biba bitarasuzumwe ku rwego rwa mbere, akaba rero nta gereranya rishobora kubikorerwaho harebwa imanza zaciwe ku nzego zombi kuko nta we ugereranya ibidafitanye isano3”. [23] Mu rubanza RCOM 00375/2021/TC rwaciwe ku wa 08/12/2021, Urukiko rw’Ubucuruzi rwasuzumye ikibazo cyo kumenya niba CENTURY PARK Ltd yategekwa kwishyura BANK OF KIGALI Plc amafaranga angana na miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw) y’umwenda n’inyungu, mu gusesengura icyo kibazo, mu gika cyarwo cya 7 rushingiye ku kuba CENTURY PARK Ltd itarubahirije inshingano zo kwishyura umwenda yahawe, rwasanze igomba kwishyura uwo mwenda. [24] Mu rubanza RCOMA 00031/2022/HC/KIG rwaciwe ku wa 13/01/2023, Urukiko Rukuru rw’Ubucuruzi rwasuzumye ikibazo cyo kumenya niba Urukiko rw’Ubucuruzi rwaremeje ko CENTURY PARK Ltd ibereyemo BANK OF KIGALI Plc umwenda wose hamwe ungana n’amafaranga miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw) kandi atari byo, mu gika cya 20 cy’urubanza, Urukiko Rukuru rw’Ubucuruzi rushingiye ku kuba CENTURY PARK Ltd itarubahirije uburyo yari yemeranyije na Banki bwo kwishyuramo inguzanyo yari yahawe, rwanzuye ko iyo ngingo y’ubujurire nta shingiro ifite. [25] Urukiko rurasanga urubanza RCOM 00375/2021/TC n’urubanza RCOMA 00031/2021/HCC zombi zarasuzumye ikibazo cyo kumenya niba koko CENTURY PARK Ltd 2 Reba urubanza n˚RS/INJUST/RCOM 00005/2020/SC rwaciwe n’Urukiko rw’Ikirenga ku wa 27/11/2020, hagati ya Banque Populaire du Rwanda Atlas Mara Plc Vs NKUSI Evariste, igika cya 28. 3 Idem, igika cya 29

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ikwiye kwishyura BANK OF KIGALI Plc amafaranga angana na miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw), zisanga igomba kwishyura ayo mafaranga kubera ko itubahirije amasezerano impande zombi zagiranye yerekeye uburyo bwo kwishyura umwenda. [26] Urukiko rw’Ubujurire rukurikije umurongo watanzwe mu manza zinyuranye zaciwe n’Urukiko rw’Ikirenga4 ndetse n’uru Rukiko rukurikiza uwo murongo mu manza zitandukanye zagaragajwe haruguru ku birebana no gutsindwa mu nkiko zombi zibanza hashingiwe ku mpamvu zimwe, rurasanga ku kibazo nyamukuru inkiko zombi zibanza zihuriyeho kirebana n’amafaranga CENTURY PARK Ltd iregwa angana na miliyari ebyiri, miliyoni ijana na cumi n’umunani, ibihumbi magana atandatu na mirongo icyenda na birindwi na magana atandatu na cumi na rimwe (2.118.697.611 Frw), yaratsinzwe kuri icyo kibazo hashingiwe ku mpamvu zimwe, izindi ngingo zasuzumwe mu bujurire zerekeye ibyagiye ku rubanza zikaba zitagomba gufatwa n’inkaho ari nshya kuko ari ingaruka ku byemejwe mu rubanza, bityo ubujurire bwa kabiri bwatanzwe na CENTURY PARK Ltd bukaba butagomba kwakirwa kubera ko butari mu bubasha bw’uru Rukiko. [27] Ku byerekeranye n’ibyo abahagarariye CENTURY PARK Ltd bavuga ko kuba hari ibibazo byasuzumiwe bwa mbere mu Rukiko Rukuru rw’Ubucuruzi, bitafatwa ko yatsinzwe mu Nkiko zibanza hashingiwe ku mpamvu zimwe, Urukiko rw’Ubujurire rurasanga nta shingiro bifite, kubera ko , uretse ko nta n’ibibazo byasuzumiwe bwa mbere mu bujurire bwa mbere, ariko nk’uko byasobanuwe, mu gusuzuma niba umuburanyi yaratsinzwe mu Nkiko zibanza hashingiwe ku mpamvu zimwe, harebwa ibibazo bisa byasuzumwe n’izo Nkiko, imitekerereze yazo kuri ibyo bibazo n’umwanzuro zabifasheho, bityo kuba ibibazo byasuzumirwa ku rwego rumwe, ntibisuzumirwe ku rundi, bikaba bitashyirwa mu isuzumwa ryo gutsindwa mu Nkiko zabanje hashingiwe ku mpamvu zimwe, kuko kugereranya ibyo bibazo bidashoboka. 2. Ibyerekeye amafaranga y’ikurikiranarubanza n’igihembo cya Avoka asabwa [28] Abahagarariye CENTURY PARK Ltd bashingiwe ku ngingo ya 111 y'Itegeko n° 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, no ku ngingo ya 26 y’Amabwiriza y’Urugaga rw’Abavoka mu Rwanda nº 01/2014 agena ibihembo mbonera by’Abavoka mu Rwanda, basaba Urukiko rw’Ubujurire gutegeka BANK OF KIGALI Plc kwishyura sosiyete bahagarariye 4 Zimwe muri izo manza harimo : -urubanza nº RCOMAA 00034/2016/SC rwo ku wa 23/03/2018 hagati ya UWASE Claudine vs Banki ya Kigali, B&N General Supply Company Ltd, RDB ; -urubanza nº RS/INJUST/RCOM 00002/2020/SC rwaciwe ku wa 25/09/2020, hagati ya Road Solution Pavement Product na MAILCO Ltd, igika cya 24 ; -urubanza rubanziriza urundi mu rubanza n˚ RCOMAA 00010/2018/CA haburana Koperative Dukundumurimo (KOADU) na King Construction and Service Company Ltd (KICOSEKA Ltd) rwaciwe n’Urukiko rw’Ubujurire ku wa 15/03/2021, igika cya 12 ; -urubanza n˚ RCOMAA 00087/2022/CA haburana Bank of Kigali Vs Gate Hills Estate Ltd na GASHUMBA Emmanuel, rwaciwe n’Urukiko rw’Ubujurire ku wa 20/01/2023, igika cya 29.

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amafaranga angana na miliyoni ebyiri (2.000.000 Frw) y’igihembo cya Avoka n’amafaranga ibihumbi magana atanu (500.000 Frw) y’ikurikiranarubanza, ndetse no kuyisubiza amafaranga y’ingwate y’amagarama yatanze ijurira. Ku byerekeye amafaranga y’ikurikiranarubanza n’igihembo cya Avoka BANK OF KIGALI Plc isaba, bavuga ko igomba kwirengera ibyo yatakarije mu manza, kubera ko izi neza ko yabaze umwenda iregera mu buryo bunyuranyije n’amategeko. [29] Uhagarariye BANK OF KIGALI Plc avuga ko kuba CENTURY PARK Ltd ari yo yishe amasezerano bigatuma Banki ahagarariye itanga ikirego, igomba kwirengera ingaruka zabyo, amafaranga isaba ntahabwe ishingiro, asaba ahubwo uru Rukiko gutegeka CENTURY PARK Ltd kwishyura BANK OF KIGALI Plc amafaranga angana n’ibihumbi magana atanu (500.000 Frw) y’ikurikiranarubanza n’amafaranga miliyoni imwe n’ibihumbi magana atanu (1.500.000 Frw) y’igihembo cya Avoka kuri uru rwego. Uko Urukiko rubibona [30] Ingingo ya 111 y’itegeko Nº 22/2018 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 ni ikirego gishamikiye ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza. Ikirego cy’amafaranga y’ikurikiranarubanza kiburanishwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe”. [31] Urukiko rw’Ubujurire rurasanga amafaranga y’ikurikiranarubanza n’igihembo cya Avoka uhagarariye BANK OF KIGALI Plc asaba afite ishingiro, kuko byumvikana ko yashatse Avoka wo kuyiburanira no gukurikirana urubanza, ariko amafaranga isaba akaba ari ikirenga, bityo mu bushishozi bwarwo, rukaba ruyigeneye amafaranga ibihumbi magana abiri y’ikurikiranarubanza (200.000 Frw) n’amafaranga ibihumbi magana inani (800.000 Frw) y’igihembo cya Avoka kuri uru rwego. III. ICYEMEZO CY’URUKIKO [32] Rwemeje ko inzitizi yatanzwe na BANK OF KIGALI Plc, ifite ishingiro. [33] Rwemeje ko ubujurire bwa kabiri bwatanzwe na CENTURY PARK Ltd butakiriwe, kubera ko butari mu bubasha bw’Urukiko rw’Ubujurire. [34] Rutegetse CENTURY PARK Ltd kwishyura BANK OF KIGALI Plc amafaranga ibihumbi magana abiri (200.000 Frw) y’ikurikiranarubanza n’amafaranga ibihumbi magana inani (800.000 Frw) y’igihembo cya Avoka, yose hamwe akaba amafaranga miliyoni imwe (1.000.000 Frw) kuri uru rwego. [35] Ruvuze ko amafaranga y’ingwate y’amagarama CENTURY PARK Ltd yatanze ijurira, ahwanye n’ibyakozwe muri uru rubanza.