DJUMAPILI v. I&M Bank Ltd

# DJUMAPILI v. I&M Bank Ltd

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2016-06-24 - Case/document no.: RCOM 00018/16/CS - Collection: Supreme Court

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DJUMAPILI v. I&M Bank Ltd [Rwanda URUKIKO RW’IKIRENGA – RCOM 00018/16/CS (Mugenzi, P.J., Karimunda na Gatete, J.) 24 Kamena 2016] Amategeko agenga imiburaranishirize y’imanza z’ubucuruzi – Ububasha – Kuba yarafatiwe icyemzo n’Urukiko rw’Ikirenga nk’umwe mu bishingiye umwenda byumvikanisha ko impaka zivutse mu irangiza ry’urwo rubanza zigomba gukemurwa n’ n’urwo Rukiko kuko ari rwo rwaruciye ku rwego rwa nyuma – Itegeko no 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 208. Incamake y’ikibazo: Bureau d’Architecture, Décoration, Expertise et Réalisation (BADER) Sarl yahawe inguzanyo zitandukanye na BCR SA. Nyuma haje kuvuka ikibazo kijyanye no kuba itarishyuye zimwe muri izo nguzanyo bituma BCR SA iregera Urukiko rwa Mbere rw’Iremezo rwa Kigali isaba kwishyurwa umwenda usigaye kandi ivuga koi zo nguzanyo zose zari zarishingiwe n’abakozi b’iyo sosiyete. Urukiko Rwisumbuye rwa Nyarugenge, nyuma y’ivugururwa ry’inzego z’ubucamanza, rwemeje ko BADER SARL igomba gufatanya n’abishingizi bayo kwishyura umwenda remrezo n’inyungu zawo. Nyuma yo kumenyeshwa imikirize y’urubanza Bigishiro Kambali yajuririye Urukiko Rukuru rw’Ubucuruzi avuga ko atafatanya na BADER SARL kwishyura uwo mwenda kuko atigeze aba umwishingizi. Urukiko rwasanze BCRA itagaragaza uko yabaye umwishingizi koko rwemeza ko urubanza rwamufataga nk’umwishingizi ruvuyeho bityo. BCR SA yajuririye icyo cyemezo mu Rukiko rw’Ikirenga avuga ko Urukiko rwibeshye rwemeza ko Bigishiro atishingiye umwenda wahawe BADER Sarl nyamara uwo mwenda utari gutangwa Bigishiro Kamali na bagebzi be bagize BADER batayishingiye. Nyuma Djumapili yaregeye Urukiko rw’Ikirenga asaba asaba gusobanura urubanza avuga ko hari ibyo rwamutegetse kandi atararuhamagawemo cyangwa ngo arubemo umuburanyi. Rwasanze ikirego cye nta shingiro gifite. Nyuma y’icyo cyemezo yongeyekuregera urwo rukiko arusaba gucyemura ikibazo cyavutse mu irangizarubanza avuga ko BADE ifite ubushobozi bwo kwishyura ariko ikaba itamenya ko isabwa kwishyura. Yasabaga ko irangizarubanza riteganyijwe kuru we ryahagarikwa BADER hagaherwa ku mafaranga BADER ifite mu irangizarubanza. Ibiranisha ritangiye ariko, uhagarariye I&M Ltd yatanze inzitizi ijyanye n’ububasha bwa rwo kuko Djumapili atabaye umuburanyi mu rubanza akaba atanagaragaza impaka zavutse mu kururangiza. Incamake y’icyemezo: 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. Kuba rero yarafatiwe icyemezo n’Urukiko rw’Ikirenga nk’umwe mu bishingizi b’umwenda wafashwe na BADER Sarl byumvikanisha ko impaka ziruvutsemo zibyukijwe n’abo rureba harimo na Djumapili John zigomba gukemurwa n’Urukiko rw’Ikirenga kuko ari rwo rwaciye urwo rubanza ku rwego rwa nyuma..

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Inzitizi nta shingiro ifite; Urukiko rufite ububasha; Iburanisha mu mizi rizakomeza; Amagarama y’urubanzaarasubitswe. Amategeko yashingiweho: Itegeko no 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 208. Nta manza zifashishijwe Urubanza I.IMITERERE Y’URUBANZA [1] Bureau d’Architecture, Décoration, Expertise et Réalisation (BADER) Sarl, igizwe na BIGISHIRO Kambali, DJUMAPILI John na SHEMA wa Nkwano yatse inguzanyo zitandukanye muri Banki y’Ubucuruzi y’u Rwanda, BCR SA, ubu yitwa I&M Bank-Rwanda Ltd, irazihabwa, zimwe zirishyurwa, izindi zingana na 34.193.006 Frw ntizishyurwa. BCR SA ikaba yaravugaga ko inguzanyo zose zatanzwe zari zishingiwe n’abagize BADER Sarl. BCR SA yatanze ikirego mu Rukiko rwa Mbere rw’Iremezo rwa Kigali ku wa 27/09/2001 cyandikwa kuri no RC 36.099/01 isaba kwishyurwa umwenda usigaye. [2] Nyuma y’ivugurura ry’inzego z’ubutabera, Urukiko Rwisumbuye rwa Nyarugenge, Urugereko ruburanisha imanza z’ubucuruzi rwahamagaye urubanza, hitaba BCR SA yonyine. Mu rubanza no RCOM 01064/05/TP/Kig rwaciwe ku wa 07/09/2006, Urukiko rwasanze ikirego cya BCR SA gifite ishingiro, rutegeka BADER SARL gufatanya n’abayigize kwishyura umwenda remezo n’inyungu zawo bingana na 83.754.031 Frw, 10% yayo ahwanye n’ibyagiye ku rubanza hashingiye ku masezerano, n’amafaranga BCR SA yatanzeho ingwate irega, yose hamwe akaba 92.131.934 Frw, gutanga 4% y’umusogongero wa Leta kuri ayo mafaranga no kwishyura amagarama y’urubanza. [3] Nyuma yo kumenyeshwa imikirize y’urubanza, BIGISHIRO Kambali yajuririye Urukiko Rukuru rw’Ubucuruzi avuga ko adakwiye gufatanya na BADER SARL kwishyura umwenda kuko atigeze aba umwishingizi wayo ndetse ko n’inyungu zabariwe ku mwenda remezo nta shingiro zifite. Urwo Rukiko rwaciye urubanza no RCOMA 0110/08/HCC ku wa 05/11/2008, rusanga BCR SA itagaragaza uburyo BIGISHIRO Kambali yishingiye umwenda wishyuzwa, rwemeza ko hashingiwe ku ngingo ya 555 y’Igitabo cya Gatatu cy’Urwunge rw’Amategeko Mbonezamubano, urubanza rwajuririwe ruvuyeho kubirebana n’uko BIGISHIRO Kambali yari yarishingiye umwenda wafashwe na BADER Sarl, kandi ko icyo cyemezo gituma hadasuzumwa ishingiro ry’inyungu zingana na 46.543.793 Frw BIGISHIRO Kambali yavugaga ko ari umurengera. [4] BCR S.A ntiyanyuzwe n’icyo cyemezo, ijuririra Urukiko rw’Ikirenga ivuga ko Urukiko Rukuru rw’Ubucuruzi rwibeshye rwemeza ko BIGISHIRO Kambali atigeze yishingira umwenda

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wahawe BADER Sarl nyamara uwo mwenda utari gutangwa BIGISHIRO Kambali na bagenzi be bagize BADER Sarl batayishingiye. BCR SA yasabye kandi ko ku mafaranga yagenwe n’Urukiko Rwisumbuye rwa Nyarugenge hiyongeraho izindi nyungu zibariwe kuri 18% mu gihe cy’amezi 24. [5] Mu rubanza no RCOMAA 0014/08/CS rwaciwe ku wa 08/01/2010, Urukiko rw’Ikirenga rwasanze hari inyandiko yo ku wa 28/05/1997 BIGISHIRO Kambali, DJUMAPILI John na SHEMA wa Nkwano bashyizeho umukono bemera kwishingira umwenda wose wafashwe na BADER Sarl, rwemeza ko BIGISHIRO Kambali, DJUMAPILI John na SHEMA wa Nkwano bishingiye BADER Sarl kandi ko umwenda ugomba kwishyurwa BCR Ltd ungana na 79.237.766 Frw. [6] Ku wa 12/12/2014, DJUMAPILI John yaregeye Urukiko rw’Ikirenga arusaba gusobanura urubanza no RCOMA 0014/08/CS rwaciye ku wa 08/01/2010 avuga ko hari ibyo yarutegetswemo atararuhamagajwemo cyangwa se ngo arubemo umuburanyi, ndetse ko Umuhesha w’inkiko amwishyuza umwenda wose wenyine kandi urwo rubanza rwarategetse ko afatanya na BADER Sarl, BIGISHIRO Kambali na SHEMA wa Nkwano kwishyura. Mu rubanza no RS/INTER/COM 001/15/CS rwaciwe ku wa 22/01/2016, Urukiko rwasanze DJUMAPILI John adakwiye kwisunga ikirego kiregera gukosora urubanza ngo anenge mu mizi ishingiro ry’urubanza asabira ikosora. Rwasanze kandi ubufatanye mu kwishingira umwenda buvuga ko iyo uwafashe umwenda atabashije kwishyura, buri mwishingizi yakwishyura uruhare rwe cyangwa umwe mu bishingizi akishyura umwenda wishyuzwa wose hanyuma akiyishyuriza bagenzi be. [7] Nyuma y’icyo cyemezo, DJUMAPILI John yaregeye na none Urukiko rw’Ikirenga asaba gukemura ikibazo cyavutse mu irangiza ry’urubanza no RCOMAA 0014/08/CS rwaciwe ku wa 08/01/2010 avuga ko BADER Sarl ifite ubushobozi bwo kwishyura ariko ko itamenye ko isabwa kwishyura, akaba asaba ko irangizarubanza riteganyijwe kuri we nk’umwishingizi ryahagarikwa, BADER Sarl ikabanza gushyira amafaranga kuri konti yayo iri muri BCR SA kugirango aherweho urubanza rurangizwa. [8] Iburanisha mu ruhame ryabaye ku wa 10/05/2016, DJUMAPILI John ahari kandi yunganiwe na Me RWAGATARE Janvier, I&M Bank-Rwanda Ltd ihagarariwe na Me BATWARE Jean-Claude naho BIGISHIRO Kambali ahagarariwe na Me NKEZA Sempundu Clément. [9] Iburanisha rigitangira, Me BATWARE Jean-Claude uhagarariye I & M Bank-Rwanda Ltd yasabye uru Rukiko kubanza gusuzuma ikibazo cy’ububasha bwarwo kuko asanga mu gihe DJUMAPILI John atabaye umuburanyi mu rubanza no RCOMAA 014/08/CS, kandi nta mpaka agaragaza zavutse mu irangizwa ryarwo, ntaho uru Rukiko rwahera rwakira ngo rusuzume ikirego cye. II. IKIBAZO KIGIZE URUBANZA N’ISESENGURWA RYACYO. Kumenya niba uru rubanza ruri mu bubasha bw’Urukiko rw’Ikirenga.

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[10] Me BATWARE Jean-Claude avuga ko DJUMAPILI John atabaye umuburanyi mu rubanza no RCOMAA 0014/08/CS rwaciwe n’uru Rukiko ku wa 08/01/2010 kandi ibyo asaba by’uko atarangirizwaho urubanza atabayemo umuburanyi bitafatwa nk’impaka zavutse mu irangiza ry’urubanza zituma Urukiko rw’Ikirenga rugira ububasha bwo kwakira ikirego cye hashingiwe ku ngingo ya 208 y’Itegeko no 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi,1 ahubwo ko akwiye kuregera Urukiko rw’Ubucuruzi rwaho umutungo urangizwa uherereye kuko icyo asaba ari ukumenya niba irangiza ry’urubanza ryakorwa ku muntu utararuhamagajwemo cyangwa ngo arubemo umuburanyi. [11] Asoza avuga ko iyo DJUMAPILI John asanga urubanza rwaciwe n’uru Rukiko rubangamiye inyungu ze nabwo atari kurega nk’uwarubayemo umuburanyi asaba uru Rukiko kugira ibyo rusobanura, ahubwo ko yari gutabambamira urubanza rwaciwe hashingiwe ku ngingo ya 175 y’Itegeko no 21/2012 ryo ku wa 14/06/2012 ryavuzwe haruguru, kuba atarabikoze atyo nabyo bikaba bigaragaza ko ntaho uru Rukiko rwahera ruvuga ko rufite ububasha bwo kwakira ikirego cye. [12] Me RWAGATARE Janvier avuga ko mu rubanza no RCOMAA 0014/08/CS rwaciwe n’Urukiko rw’Ikirenga ku wa 08/01/2010 haburanaga BCR SA na BIGISHIRO Kambali ariko muri urwo rubanza DJUMAPILI John afatirwa icyemezo cyo gufatanya na BADER Sarl kwishyura, akaba atasabwa kubahiriza icyemezo cyafatiwe mu rubanza atahamagajwemo ngo arubemo umuburanyi, ari nacyo kibazo cyavutse mu irangiza ry’urwo rubanza, kandi akaba nta handi yari kukiregera uretse mu Rukiko rwaciye urwo rubanza bwa nyuma nk’uko biteganywa n’ingingo ya 208 y’Itegeko no 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi. [13] Me NKEZA SEMPUNDU Clément avuga ko DJUMAPILI John yabaye umuburanyi mu rubanza no RCOM 01064/05/TP/Kig rwaciwe n’Urukiko Rwisumbuye rwa Nyarugenge, Urugereko ruburanisha imanza z’ubucuruzi ku wa 07/09/2006 aratsindwa, ntiyarujuririra kuko nta nyungu yari abifitemo ari nacyo cyatumye adahamagazwa mu Nkiko z’ubujurire, bigera mu Rukiko rw’Ikirenga hakiburanwa ubujurire atari ahatiwe kubamo umuburanyi, bisobanuye ko yemeye imikirize y’urubanza rwaciwe n’Urukiko Rwisumbuye, bityo akaba atakwitwaza kuba atarahamagawe cyangwa ngo abe umuburanyi mu rubanza rwaciwe n’Urukiko rw’Ikirenga ngo abihereho yanga gushyira mu bikorwa icyemezo cy’Urukiko Rwisumbuye. UKO URUKIKO RUBIBONA [14] Ingingo ya 208 y’Itegeko no 21/2012 ryo ku wa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetse nk’uko ryahinduwe kugeza ubu, iteganya ko« Impaka zishingiye ku irangiza ry’urubanza ryaba riri gukorwa 1Iyi ngingo 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.”

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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.» [15] Dosiye y’urubanza igaragaza ko DJUMAPILI John, BIGISHIRO Kambali, SHEMA wa Nkwano na BADER Sarl, barezwe na BCR SA mu Rukiko Rwisumbuye, Urugereko Rwihariye ruburanisha imanza z’ubucuruzi. Nk’uko bigaragara ku rupapuro rwa gatatu rw’urubanza no RCOM 01064/05/TP/Kig rwaciwe ku wa 07/09/2006 (cote 10), urwo Rukiko rwafashe icyemezo gikurikira: “Rwemeje ko BADER, KAMBALI BIGISHIRO, DJUMAPILI na SHEMA NKWANO bishyura BCR 92.131.934 Frw nk’uko byasobanuwe muri “Rusanze”, Rwemeje ko BCR itsinze, ko BADER, KAMBALI BIGISHIRO, DJUMAPILI na SHEMA NKWANO batsinzwe, Rutegetse ko BADER, KAMBALI BIGISHIRO, DJUMAPILI na SHEMA NKWANO bishyura BCR 92.131.934 Frw; Rubategetse kwishyura 4% ya 92.131.934 Frw y’umusogongero wa Leta ahwanye na 3.685.277 Frw batayatanga mu gihe gitegetswe akavanwa mu byabo ku ngufu za Leta; Rubategetse kwishyura 6.100 Frw y’amagarama y’uru rubanza batayatanga mu gihe gitegetswe akavanwa mu byabo ku ngufu.” [16] Dosiye y’urubanza igaragaza kandi ko BIGISHIRO Kambali ariwe wenyine wajuririye icyemezo cy’Urukiko Rwisumbuye mu Rukiko Rukuru rw’Ubucuruzi avuga ko Urukiko rubanza rwibeshye ruvuga ko yishyingiye BADER Sarl nyamara nta kimenyetso BCR SA yabigaragarije kandi ko yategetswe kwishyura inyungu z’umurengera. Ku wa 05/11/2008, urwo Rukiko rwaciye urubanza ruvuga ko: ‘’1. Rwemeye kwakira ubujurire bwa Kambali Bigishiro kandi rwemeje ko bufite ishingiro (En la forme, reçoit l’appel de Kambali Bigishiro et le déclare fondé). 2. Rwemeje imikirize y’urubanza rwajuririwe uretse icyemezo kivuga ko Kambali Bigishiro ari mubishingiye umwenda wishyuzwa (Confirme le jugement entrepris sauf en ce qui concerne la solidarité passive auparavant arrêtée contre Kambali Bigishiro). 3. Rutegetse uregwa mu bujurire kwishyura amagarama y’urubanza angana na 13.700 Frw (Mets les dépens arrêtés à Frw 13.700 à charge de l’intimée.’’ [17] Inyandiko zigize dosiye zigaragaza na none ko nyuma y’icyemezo cy’Urukiko Rukuru rw’Ubucuruzi, BCR SA yajuririye Urukiko rw’Ikirenga irusaba kwemeza ko BIGISHIRO Kambali ari mu bishingiye umwenda wahawe BADER Sarl no kongera inyungu yagenewe n’Urukiko Rwisumbuye ruzibarira kuri 18% mu gihe cy’amezi 24. Nyuma yo gusanga BIGISHIRO Kambali ari mu bishingiye umwenda wafashwe na BCR SA, Urukiko rw’Ikirenga, mu cyemezo cyarwo cyo ku wa 08/01/2010, rwasanze ubujurire bwa BCR SA bufite ishingiro, rwanzura ko: «[32]. Rwemeje ko Kambali Bigishiro yishingiye BADER ; [36]. Rwemeje ko BADER n’abayishingiye bishyura BCR 80.137.766 Frw;

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[37]. Rukijije ko BCR itsinze naho Kambli Bigishiro atsinzwe; [38]. Rutegetse BADER gufatanya na Kambali Bigishiro, Jumapili John, Shema wa Kwano kwishyura BCR 80.137.766 Frw; [39]. Rubategetse kandi gutanga 4% ya 80.137.766 Frw y’umusogongero wa Leta angana na 3.205.510 Frw; [40]. Ruvuze ko imikirize y’urubanza RCOMA 0110/08/HC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi ku wa 05/11/2008 ihindutse; [41]. Rutegetse Kambali Bigishiro gutanga amagarama y’urubanza angana na 28.900 Frw.” [18] Dosiye y’urubanza igaragaza kandi ko ku wa 12/12/2014, DJUMAPILI John yaregeye Urukiko rw’Ikirenga arusaba gusobanura urubanza RCOMA 0014/08/CS rwaciye ku wa 08/01/2010 avuga ko uburenganzira bwe bwo kwiregura bwabangamiwe no kuba hari ibyo yategetswe mu rubanza atahamagajwemo cyangwa se ngo arubemo umuburanyi, kandi ko Umuhesha w’Inkiko amwishyuza umwenda wose wenyine, nyamara mu bika bya [38] na [39] by’urubanza, Urukiko rwarategetse ko afatanya na BADER, Kambali Bigishiro na Shema wa Nkwano kwishyura. Mu rubanza no RS/INTER/COM 001/15/CS rwaciwe ku wa 22/01/2016, Urukiko rwasanze ku ngingo ya mbere, nubwo hari ibyo DJUMAPILI John yategetswe kwishyura, adakwiye kwisunga ikirego kiregera gukosora urubanza ngo anenge ishingiro ry’urubanza asabira ikosora mu mizi, naho ku ngingo ya kabiri rusanga hashingiwe ku ngingo ya 564 n’iya 572, igika cya mbere y’Igitabo cya Gatatu cy’Urwunge rw’Amategeko Mbonezamubano, ubufatanye mu kwishingira umwenda buvuga ko iyo uwafashe umwenda atabashije kwishyura, buri mwishingizi yakwishyura uruhare rwe cyangwa umwe mu bishingizi akishyura hanyuma akiyishyuriza bagenzi be (cotes 5-9). [19] Urukiko rurasanga, nubwo nta cyemezo na kimwe cyafatiwe DJUMAPILI John mu rubanza no RCOMA 0110/08/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi ku wa 05/11/2008 ku byo BIGISHIRO Kambali yasabaga byo kuvanwa mu bufatanyamwenda, Urukiko rw’Ikirenga rwagaragaje, mu rubanza no RCOMAA 0014/08/CS rwaciye ku wa 08/01/2010 ko DJUMAPILI John afatanyije na BIGISHIRO Kambali, wari warezwe na BCR SA mu bujurire bwa kabiri mu Rukiko rw’Ikirenga, na SHEMA wa Nkwano kwishingira umwenda wafashwe na BADER Sarl muri iyo banki. [20] Urukiko rurasanga mu gihe DJUMAPILI John ari mu bafatiwe icyemezo n’Urukiko rw’Ikirenga mu rubanza no RCOMAA 0014/08/CS nk’umwe mu bishingizi b’umwenda wafashwe na BADER Sarl, impaka zivutse mu irangiza ry’urwo rubanza zibyukijwe n’abo rureba mu cyemezo cyarwo harimo na DJUMAPILI John zikwiye gukemurwa n’Urukiko rw’Ikirenga kuko ari rwo Rukiko rwaruciye bwa nyuma, bityo hashingiwe ku ngingo ya 208 y’Itegeko no 21/2012 ryo ku wa 14/06/2012 ryavuzwe haruguru, inzitizi yatanzwe na I & M Bank-Rwanda Ltd ikaba nta shingiro ifite. III.ICYEMEZO CY’URUKIKO [21] Rwemeje ko inzitizi yatanzwe na I&M Bank-Rwanda Ltd nta shingiro ifite;

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[22] Ruvuze ko uru Rukiko rufite ububasha bwo kuburanisha ikirego cyatanzwe na DJUMAPILI John; [23] Ruvuze ko iburanisha ry’uru rubanza mu mizi rizakomeza ku wa 20/09/2016; [24] Ruvuze ko amagarama y’urubanza abaye asubitswe.