DUKOREREHAMWE COMPANY LTD v BANK OF KIGALI PLC N’UNDI.

# DUKOREREHAMWE COMPANY LTD v BANK OF KIGALI PLC N’UNDI.

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-04-28 - Case/document no.: RCAA00003/2023/CA - Collection: Court of Appeal

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DUKOREREHAMWE COMPANY LTD v BANK OF KIGALI PLC N’UNDI. [Rwanda URUKIKO RW’UBUJURIRE – RCAA00003/2023/CA (Kamere, P.J.) 28 Mata 2023] Itegeko ryerekeye imiburanishirize y’imanza mbonezamubano – ikirego kihutirwa – agaciro k’icyemezo cyafashwe mu kirego kihutirwa – Ibyemejwe mu kirego cyihutirwa bikurwaho n’icyemezo cyafashwe mu kirego cy’iremezo. Itegeko ryerekeye imiburanishirize y’imanza mbonezamubano – Ikiburanwa – Umucamanza aca urubanza ku cyasabwe cyose kandi kuri icyo cyonyine – Iyo ikibazo cyashyikirijwe Urukiko ntigisuzumwe, urwo Rukiko ruba rukoze ikosa kandi biba impamvu y’ubujurire. Itegeko N0 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, Ingingo ya 10, Itegeko ryerekeye imiburanishirize y’imanza mbonezamubano – Ikiburanwa – guca urubanza ku kitraregewe – Ntabwo byakwitwa ko Urukiko rwarengereye rugaca urubanza ku kitararagewe mu gihe rwasuzumye urubanza ndetse n’amasezerano buri mu buranyi ashingiraho yita umutungo uburanwa uwe. Itegeko rigenga Ingwate – kegukana ingwate – Uwahawe ingwate ashobora kuyegukana mu buryo bwa “take over”, abiherewe uburenganzira n’Umwanditsi Mukuru/RDB mu gihe uwahawe inguzanyo atabashije kwishyura inguzanyo yahawe. Incamake y’ikibazo: uru rubanza rwatangiye Bank of Kigali Plc irega mu Umwanditsi Mukuru/RDB mu Rukiko rw’Ubucuruzi rwa Nyarugenge, nyuma yaho Bank of Kigali Plc igiranye amasezerano y’inguzanyo na Dukorerehamwe Company Ltd nayo ikayiha ingwate igizwe n’Uruganda rw’umuceri hanyuma ikaza kunanirwa kwishyura, Umwanditsi Mukuru/RDB agatanga uburenganzira bwo kugurisha ingwate, yegukanywe na SODAR Ltd muri cyamunara. Nyuma ya cyamunara, Dukorerehamwe Company Ltd yasabye Umwanditsi Mukuru/RDB gutesha agaciro cyamunara kuko SODAR Ltd yatanze Chèque itariho amafaranga ahagije, Umwanditsi Mukuru/RDB aza kuyitesha agaciro. Muri icyo kirego Bank of Kigali Plc isaba Urukiko gukuraho icyemezo cy’Umwanditsi Mukuru gitesha agaciro cyamunara, maze rukemeze ko cyamunara yakozwe mu buryo bwemewe n’amategeko. Bank of Kigali Plc ishingiye kuri icyo kirego, yari yatanze n’ikirego cyihutirwa kuri gifite RCOM00643/2017/TC/NYGE isaba ko umutungo wari waregukanywe na SODAR Ltd muri cyamunara, washyirwa mu maboko yayo (BK Plc) cyangwa SODAR Ltd mu gihe hagitegerejwe icyemezo cy’Urukiko mu rubanza rw’iremezo. Urukiko rw’Ubucuruzi rwaciye urubanza RCOM00643/2017/TC/NYGE, rwemeza ko ikirego cyihutirwa cya Bank of Kigali Ltd nta shingiro gifite, ruyitegeka gusubiza Dukorerehamwe Company Ltd imfunguzo z’uruganda kugeza igihe urubanza rw’iremezo ruzacirwa. Bank of Kigali Plc imaze kubona ko ikirego cyayo cyihutirwa kidahawe ishingiro, yasabye Umwanditsi Mukuru wa RDB kuyiha uburenganzira bwo kwegurirwa ingwate, maze Umwanditsi

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Mukuru muri RDB afata icyemezo cyo kuyiha ubwo burenganzira, hashingiwe ku biteganywa n’Amabwiriza y’Umwanditsi Mukuru nº 03/2010/ORG yo ku wa 16/11/2010. Nyuma yo guhabwa uburenganzira bwo kuba yegukanye ingwate, Bank of Kigali Plc yahise ireka cya kirego cyayo cy’iremezo cyari cyanditse kuri RCOM00642/2017/TC/NYGE, maze ku wa 19/07/2017 Urukiko rurabyemera. Dukorerehamwe Company Ltd na yo yahise irega Bank of Kigali Plc na RDB mu Rukiko rw’Ubucuruzi rwa Nyarugenge, irusaba ko icyemezo nº 017-024163 cyo ku wa 20/04/2017 cyo kwegukana ingwate cyatanzwe n’Umwanditsi mukuru wa RDB gikurwaho, inasaba indishyi zitandukanye, maze Urukiko mu rubanza RCOM00974/2017/TC/NYGE rwemeza ko icyo kirego nta shingiro gifite, rutegeka Dukorerehamwe Company Ltd kwishyura Bank of Kigali Ltd indishyi zitandukanye. Dukorerehamwe Company Ltd yaje gusubirishamo ingingo nshya urubanza RCOM00974/2017/TC/NYGE,

maze

Urukiko

rw’ubucuruzi

mu

rubanza RCOM01676/2020/TC/NYGE, rwemeza ko icyo kirego kitakiriwe. Nyuma y’ibi Dukorerehamwe Company Ltd yareze SODAR Ltd mu Rukiko Rwisumbuye rwa Rusizi, ivuga ko yagiye muri urwo ruganda ruburanwa mu buryo bw’uburiganya, kuko urubanza RCOM 00643/2017/TC/NYGE rwarangijwe n’Umuhesha w’Inkiko w’Umwuga agasigira imfunguzo zayo ukuriye Polisi mu Karere ka Rusizi, maze uyu na we akaziha SODAR Ltd, yamara kuzibona mu gitondo igatangira gukoreramo. Dukorerehamwe Company Ltd yavugaga kandi ko uko kuyambura uruganda rwayo byayiteje igihombo. Bityo isaba Urukiko gutegeka SODAR Ltd kurusohokamo, kandi igatanga n’amazu abiri yakodeshwaga. Muri urwo rubanza SODAR Ltd yasabye ko Bank of Kigali Plc yagobokeshwa kugira ngo igire ibyo isobanura k’uburyo uwo mutungo SODAR Ltd yawubonye. Bank of Kigali Plc nyuma yo kugobokeshwa mu rubanza yaburanye ivuga ko urubanza RCOM 00643/2017/TC/NYGE Dukorerehamwe Company Ltd ishingiraho iburana rwari ikirego cyihutirwa kandi ko rwaje kuvuguruzwa n’izindi manza zaciwe, ndetse ko nyuma y’uko ruciwe iyi Banki yasabye Umwanditsi Mukuru uburenganzira bwo kwegukana umutungo uburanwa (permit to take over) irabuhabwa, maze irawegukana, iwandikwaho, hanyuma iza no kuwugurisha SODAR Ltd. Banakorana ihererekanya ry’uburenganzira(mutation). Ku bijyanye n’indi mitungo Dukorerehamwe Company Ltd yaregeye ifite UPI: 3/06/10/02/301 na UPI: 3/06/10/02/340, Bank of Kigali Plc yavugaga ko nta kibazo iyifiteho kuko itigeze iba iyayo. Urukiko Rwisumbuye rwa Rusizi mu rubanza RC00106/2021/TGI/RSZ rwemeza ko ikirego cyatanzwe na Dukorerehamwe Company Ltd gifite ishingiro kuri bimwe, ko icyemezo cyo kwegukana umutungo (permit to take over) cyahawe Bank of Kigali Plc kitavanaho urubanza RCOM00643/2017/TC/NYGE n’irangizarubanza ryarwo ryakozwe ku wa , ko imanza RCOM00974/2017/TC/NYGE rwaciwe ku wa 02/11/2017 na RCOM01676/2020/TC/NYGE rwaciwe ku wa 11/02/2021 zitavanyeho urubanza RCOM00643/2017/TC/NYGE rwaciwe ku wa 11/04/2017 n’irangizarubanza ryarwo ryakozwe ku wa 20/07/2017, kandi ko amasezerano y’ubugure bw’uruganda yakozwe hagati ya Bank of Kigali Plc na SODAR Ltd ari imfabusa. Urukiko rwategetse SODAR Ltd gusubiza Dukorerehamwe Company Ltd uruganda rwayo rwubatse ku butaka bufite UPI: 3/06/10/02/349 ruherereye mu Kagari ka Gakoni, Umurenge wa Muganza mu Karere ka Rusizi, ruvuga ko indi mitungo yaregewe iri mu butaka bufite UPI: 3/06/10/02/301 na

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UPI: 3/06/10/02/340 ari nta mpaka iteje zatuma icibwaho urubanza. Rwategetse Bank of Kigali Plc gusubiza SODAR Ltd ikiguzi yakiriye kuri urwo ruganda, rutegeka kandi Bank of Kigali Plc na SODAR Ltd gufatanya (in solidum) guha Dukorerehamwe Company Ltd indishyi zitandukanye. Bank of Kigali Ltd na SODAR Ltd ntizishimiye iyo mikirize y’urubanza, maze ziyijuririra mu Rukiko Rukuru, Urugereko rwa Rusizi. Mu rubanza RCA00031/2022/HC/RSZ, SODAR Ltd yajuriye inenga ko Urukiko Rwisumbuye rwavuze ko nta rubanza rwavanyeho urubanza RCOM00643/2017/TC/NYGE (ikirego cyihutirwa), rwirengagije cyangwa rudasobanukiwe uko ibikorwa byagiye bikurikirana, kuva aho Dukorerehamwe Company Ltd isubirijwe uruganda mu rubanza rwavuzwe haruguru, kugeza Bank of Kigali Plc isaba kwegurirwa ingwate ikabihabwa n’Umwanditsi Mukuru, ikaza kuyiyigurisha. Inenga kandi kuba Urukiko Rwisumbuye rwa Rusizi rwarayiciye indishyi kandi nta kosa yigeze ikora. Mu rubanza CMB RCA00032/2022/HC/RSZ, Bank of Kigali Plc yo yajuriye ivuga ko Dukorerehamwe Company Ltd yitwaje irangizwa ry’urubanza RCOM00643/2017/TC/NYGE ryayihaye uburenganzira ku mutungo wayo, nyamara yirengagiza ko nyuma y’ibyo Bank of Kigali Plc na yo yahawe uburenganzira bwo kwegukana uwo mutungo binyuze mu cyemezo cy’Umwanditsi Mukuru (RDB) yaje kuregera isaba ko kivanwaho, Urukiko rw’ubucuruzi rugasanga ibyo isaba nta shingiro bifite, kandi ibyo byemezo bikaba bikumira ububasha bw’Urukiko Rwisumbuye rwa Rusizi bwo kongera gufata ibyemezo bishya ku bintu byamaze kuburanishwa n’izindi nkiko, nyamara rwo rukaba rwarabirenzeho rugafata icyemezo gitesha agaciro icyemezo cyo kwegukana umutungo cyatanzwe n’Umwanditsi Mukuru (RDB) cyaburanishijwe kikarangirira mu rubanza RCOM00974/2017/TC/NYGE na RCOM01676/2020/TC/NYGE. Bank of Kigali Plc ivuga kandi ko urwo Rukiko rwategetse ko amasezerano Bank of Kigali Plc yagiranye na SODAR Ltd abaye impfabusa, ndetse runategeka ko Bank of Kigali Plc isubiza SODAR Ltd amafaranga yaguze uwo mutungo kandi bitari byararegewe. Dukorerehamwe Company Ltd yiregura ivuga ko nta kibazo cy’iburabubasha cyakagombye kuvugwa muri urwo rubanza, kubera ko ikirego cyayo ntaho gihuriye n’ibikorwa by’ubucuruzi yagiye ikorana na Bank of Kigali Plc, ko icyo yifuza ari ukuvana SODAR Ltd mu ruganda rwayo yatsindiye mu rubanza RCOM 00643/2017/TC/NYGE n’indi mitungo, kuko iri muri uwo mutungo kandi nta masezerano yagiranye na yo. Urukiko Rukuru, Urugereko rwa Rusizi, rwakijije rubanza, RCA00031/2022/HC/RSZ rwahurije hamwe imanza zavuzwe haruguru, rwemeza ko ubujurire bwa SODAR Ltd na Bank of Kigali Plc bufite ishingiro, ko imikirize y’urubanza RC00106/2021/TGI/RSZ rwaciwe n’Urukiko Rwisumbuye rwa Rusizi, ivanweho, ko nta cyagombaga gutegekwa gishingiye ku cyemezo cy’agateganyo cyafashwe mu kirego cyihutirwa cyatakaje agaciro nyuma y’icibwa ry’urubanza rw’iremezo, kandi ko ibibazo by’inyongera bijyanye n’amasezerano y’ubucuruzi yakozwe hagati ya Bank of Kigali Plc na SODAR Ltd, ndetse n’ishyirwa mu bikorwa ry’icyemezo cyo kwegurira ingwate cy’Umwanditsi Mukuru bitaburanishirizwa mu nkiko zisanzwe. Rutegeka Dukorerehamwe Company Ltd kwishyura Bank of Kigali Plc na SODAR Ltd indishyi zitandukanye. Dukorerehamwe Company Ltd yajuririye urubanza RCA00031/2022/HC/RSZ mu Rukiko rw’Ubujurire, aho inenga Urukiko Rukuru, Urugereko rwa Rusizi, kuba rwaraciye urubanza ku

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kitararegewe, no kuba SODAR Ltd ifite umutungo ubaruye kuri UPI: 3/06/10/02/349 mu buryo budakurikije amategeko, ndetse no kuba SODAR Ltd yaragombaga gutegekwa kuyiha indishyi yasabye mu kirego kiregera kwiregura kubera kwigabiza imitungo yayo, inasaba indishyi zitandukanye mu Rukiko rw’Ubujurire. Uhagarariye SODAR Ltd, yiregura avuga ko impamvu z’ubujurire za Dukorerehamwe Company Ltd nta shingiro zifite kuko uwo mutungo ubu ari uwa SODAR Ltd, ko yawuguze na Bank of Kigali Plc nk’uko bigaragazwa n’amasezerano y’ubugure. kandi ko yawuguze nyuma yo kuyigaragariza ko BK Plc yari yarawegukanye mu buryo bwa take over. Uhagarariye Bank of Kigali Plc, kuri iyi ngingo avuga ko umutungo ugizwe n’uruganda rw’umuceri Bank of Kigali Plc yawegukanye, iwandikwaho nka nyirawo mu buryo bukurikije amategeko, nyuma yaho iwugurisha SODAR Ltd. Urukiko rw’Ubujurire rwemeje mu rubanza RCAA00003/2023/CA, ko imiburanire y’uhagarariye Bank of Kigali Plc n’iy’uhagarariye SODAR Ltd ifite ishingiro, kuko umutungo uburanwa, Bank of Kigali Plc yawegukanye ubwo yahabwaga n’Umwanditsi Mukuru icyemezo cyo kwegukana ingwate (permit to take over), ikawandikwaho nka nyirawo, nyuma yaho ikawugurisha SODAR Ltd. Rwemeza ko uburenganzira kuri uwo mutungo Bank of Kigali Plc ibukomora mu nzira zemewe n’amategeko, bityo ko n’ubugure bwayo na Sodar Ltd bwakozwe mu buryo bukurikije Amategeko. Rwemeje kandi ko Urukiko Rukuru, Urugereko rwa Rusizi, ntaho rwarengereye ngo ruce urubanza ku cyo rutaregewe. Ku bijyanye no Kumenya niba SODAR Ltd yarigabije imitungo ifite UPI: 3/06/10/02/301 na UPI: 3/06/10/02/340 ku buryo yategekwa kubitangira indishyi, Urukiko rw’Ubujurire rwemeje ko, bitewe nuko Dukorerehamwe Company Ltd itigeze ibasha kugaragaza uburyo SODAR Ltd yigabije amazu yayo, nta ndishyi yahabwa. Urukiko Rwemeje ko ubujurire bwatanzwe na Dukorerehamwe Company Ltd nta shingiro bufite, ruyitegeka guha Bank of Kigali Plc na SODAR Ltd indishyi z’ikurikirana rubanza n’igihembo cya Avoka. Incamake y’icyemezo:1. Ibyemejwe mu kirego cyihutirwa bikurwaho n’icyemezo cyafashwe mu kirego cy’iremezo. bityo, ibyemejwe mu kirego kihutirwa biguma ari agateganyo kugeza igihe icyemezo mu kirego cy’iremezo gifatiwe. 2.Uwahawe ingwate ashobora kuyegukana mu buryo bwa “take over”, abiherewe uburenganzira n’Umwanditsi Mukuru/RDB mu gihe uwahawe inguzanyo atabashije kwishyura inguzanyo yahawe. 3. Iyo ikibazo cyashyikirijwe Urukiko ntigisuzumwe, urwo Rukiko ruba rukoze ikosa kandi biba impamvu y’ubujurire. Bityo, Urukiko rwajuririwe rukosora iryo kosa rusuzuma icyo kibazo rukagifataho umwanzuro. 4.Ntabwo byakwitwa ko Urukiko rwarengereye rugaca urubanza ku kitararagewe mu gihe rwasuzumye urubanza ndetse n’amasezerano buri mu buranyi ashingiraho yita umutungo uburanwa uwe. Bityo, nubwo urwo rubanza cyangwa ayo masezerano byaba bitararegewe muri urwo rubanza, nta kosa Urukiko rwaba rukoze rubisesenguye kugirango hamenyekane ukuri.

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5. Indishyi z’akababaro ntizitangwa iyo uzisaba atazigaragariza ibimenyetso. Bityo, iyo zisabwa n’uwarezwe, agomba kugaragaza ko uwamureze yatanze ikirego gifite ikindi kigamije kitari ugushaka ukuri ku cyo urega yibwiraga ko afiteho uburenganzira. 6. Indishyi z’ikurikiranarubanza n’igihembo cya avoka zitangwa mu bushishozi bw’Urukiko kandi rushingira no ku miterere y’urubanza. Amategeko yashingiweho. Itegeko N0 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, Ingingo ya 10,111,185 Amabwiriza y’Umwanditsi Mukuru/RDB nº 03/2010/ORG yo ku wa 16/11/2010. Nta manza zifashishijwe. Urubanza I. IMITERERE Y’URUBANZA [1] Ku wa 04/09/2012, Dukorerehamwe Company Ltd yagiranye na Bank of Kigali Plc Ltd amasezerano y’inguzanyo ingana na 563.000.000 Frw, itanga ingwate igizwe n’umutungo w’uruganda rw’Umuceri, ubaruye kuri UPI 03/06/10/02/349. Dukorerehamwe Company Ltd yaje kunanirwa kwishyura uwo mwenda, bituma Bank of Kigali Plc Ltd isaba Umwanditsi Mukuru gutanga uburenganzira bwo kugurisha iyo ngwate mu cyamunara, arabuyiha, maze ku wa 27/01/2017 iyo ingwate yegukanwa na SODAR Ltd muri cyamunara. [2] Dukorerehamwe Company Ltd ishingiye ku kuba haratanzwe Chèque itariho amafaranga ahagije, yasabye Umwanditsi Mukuru muri RDB gutesha agaciro iyo cyamunara, maze ayitesha agaciro ku wa 27/03/2017. [3] Bank of Kigali Plc yareze Umwanditsi Mukuru/RDB mu Rukiko rw’Ubucuruzi rwa Nyarugenge, urubanza rwandikwa kuri RCOM00642/2017/TC/NYGE, isaba Urukiko gukuraho icyemezo cy’Umwanditsi Mukuru cyo ku wa 27/03/2017, maze rwemeze ko cyamunara yo ku wa 27/1/2017 yakozwe mu buryo bwemewe n’amategeko. Bank of Kigali Plc ishingiye kuri icyo kirego, yari yanatanze ikirego cyihutirwa kuri RCOM00643/2017/TC/NYGE isaba ko umutungo wari waregukanywe na SODAR Ltd muri cyamunara yavuzwe haruguru washyirwa mu maboko yayo (BK Plc) cyangwa SODAR Ltd mu gihe hagitegerejwe icyemezo cy’Urukiko mu rubanza rw’iremezo RCOM00642/2017/TC/NYGE. [4] Ku wa 14/04/2017, Urukiko rw’Ubucuruzi rwaciye urubanza RCOM00643/2017/TC/NYGE, maze rwemeza ko ikirego cyihutirwa cya Bank of Kigali Ltd nta shingiro gifite, ruyitegeka gusubiza Dukorerehamwe Company Ltd imfunguzo z’uruganda kugeza igihe urubanza rw’iremezo RCOM00642/2017/TC/NYGE ruzaba rumaze gucibwa.

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[5] Bank of Kigali Plc imaze kubona ko ikirego cyayo cyihutirwa kidahawe ishingiro, yasabye Umwanditsi Mukuru wa RDB kuyiha uburenganzira bwo kwegurirwa ingwate, maze mu cyemezo cye cyo ku wa 20/04/2017 Umwanditsi Mukuru muri RDB ayiha ubwo burenganzira, hashingiwe ku biteganywa n’Amabwiriza y’Umwanditsi Mukuru nº 03/2010/ORG yo ku wa 16/11/2010. [6] Nyuma yo guhabwa uburenganzira bwo kuba yegukanye ingwate, Bank of Kigali Plc yahise ireka cya kirego cyayo cy’iremezo cyanditse kuri RCOM00642/2017/TC/NYGE, maze ku wa 19/07/2017 Urukiko rurabyemeza. [7] Dukorerehamwe Company Ltd na yo yahise irega Bank of Kigali Plc na RDB mu Rukiko rw’Ubucuruzi rwa Nyarugenge, ikirego cyayo gihabwa RCOM00974/2017/TC/NYGE, irusaba ko icyemezo nº 017-024163 cyo ku wa 20/04/2017 cyo kwegukana ingwate cyatanzwe n’Umwanditsi mukuru wa RDB gikurwaho, inasaba indishyi zitandukanye, maze ku wa 02/11/2017 Urukiko rwemeza ko icyo kirego nta shingiro gifite, rutegeka Dukorerehamwe Company Ltd kwishyura Bank of Kigali Ltd 500.000Frw y’indishyi zo gushorwa mu manza, 50.000Frw y’ikurikiranarubanza na 500.000Frw y’igihembo cya Avoka, ko kandi 50.000Frw Dukorerehamwe Company Ltd yatanzeho ingwate y’amagarama irega aguma mu Isanduku ya Leta. [8] Dukorerehamwe Company Ltd yaje gusubirishamo ingingo nshya urubanza RCOM00974/2017/TC/NYGE, ikirego cyayo gihabwa RCOM01676/2020/TC/NYGE, maze ku wa 11/02/2021 hemezwa ko icyo kirego kitakiriwe. [9] Ku wa 27/09/2021, Dukorerehamwe Company Ltd yareze SODAR Ltd mu Rukiko Rwisumbuye rwa Rusizi, ikirego cyayo gihabwa RC00106/2021/TGI/RSZ ivuga ko yabonye urwo ruganda ruburanwa mu buryo bw’uburiganya, kuko urubanza RCOM00643/2017/TC/NYGE rwarangijwe n’Umuhesha w’Inkiko w’Umwuga ku wa 20/04/2017 agasigira imfunguzo zayo ukuriye Polisi mu Karere ka Rusizi, maze uyu na we akaziha SODAR Ltd, yamara kuzibona mu gitondo igatangira gukoreramo. Dukorerehamwe Company Ltd yavugaga kandi ko uko kuyambura uruganda rwayo byayiteje igihombo. Bityo ko isaba ko SODAR Ltd yarusohokamo, kandi igatanga n’amazu abiri yakodeshwaga. Muri urwo rubanza SODAR Ltd yasabye ko Bank of Kigali Plc yagobokeshwa kugira ngo igire ibyo isobanura k’uburyo uwo mutungo SODAR Ltd yawubonye, kuko yavugaga ko umutungo iregwa ari Bank of Kigali Plc yawuyigurishije. Bank of Kigali Plc imaze kugobokeshwa mu rubanza yaburanye ivuga ko urubanza RCOM00643/2017/TC/NYGE Dukorerehamwe Company Ltd ishingiraho iburana rwari ikirego cyihutirwa kandi ko rwaje kuvuguruzwa n’izindi manza zaciwe, ndetse ko nyuma y’uko ruciwe iyi Banki yasabye Umwanditsi Mukuru uburenganzira bwo kwegukana umutungo uburanwa (permit to take over) irabuhabwa, maze irawegukana, iwandikwaho, iwuhererwa icyangombwa cy’ubutaka cya burundu, hanyuma iza no kuwugurisha SODAR Ltd. Byongeye kandi yavugaga ko nyuma y’uko SODAR Ltd iguze uwo mutungo yawuhererekanyije (mutation) na Bank of Kigali Plc, maze wandikwa kuri SODAR Ltd inahabwa icyangombwa cy’ubutaka cya burundu. Ku bijyanye n’imitungo Dukorerehamwe Company Ltd yaregeye ifite UPI: 3/06/10/02/301 na UPI: 3/06/10/02/340, Bank of Kigali Plc yavugaga ko nta kibazo iyifiteho kuko itigeze iba iyayo. [10] Urukiko Rwisumbuye rwa Rusizi rumaze gusuzuma ibisobanuro n’ibimenyetso byatanzwe n’ababuranyi, rwaciye urwo rubanza ku wa 09/03/2022, rwemeza ko ikirego cyatanzwe na Dukorerehamwe Company Ltd gifite ishingiro kuri bimwe, ko icyemezo cyo kwegukana umutungo

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(permit to take over) cyahawe Bank of Kigali Plc ku wa 20/04/2017 kitavanaho urubanza RCOM00643/2017/TC/NYGE rwaciwe ku wa 11/04/2017 n’irangizarubanza ryarwo ryakozwe ku wa 20/07/2017, ko imanza RCOM00974/2017/TC/NYGE rwaciwe ku wa 02/11/2017 na RCOM01676/2020/TC/NYGE rwaciwe ku wa 11/02/2021 zitavanyeho urubanza RCOM00643/2017/TC/NYGE rwaciwe ku wa 11/04/2017 n’irangizarubanza ryarwo ryakozwe ku wa 20/07/2017, kandi ko amasezerano y’ubugure bw’uruganda yakozwe hagati ya Bank of Kigali Plc na SODAR Ltd ku wa 06/11/2018 ari imfabusa. Urukiko rwategetse SODAR Ltd gusubiza Dukorerehamwe Company Ltd uruganda rwayo rwubatse ku butaka bufite UPI: 3/06/10/02/349 ruherereye mu Kagari ka Gakoni, Umurenge wa Muganza mu Karere ka Rusizi, ruvuga ko indi mitungo yaregewe iri mu butaka bufite UPI: 3/06/10/02/301 na UPI: 3/06/10/02/340 ari nta mpaka iteje zatuma icibwaho urubanza. Rwategetse Bank of Kigali Plc gusubiza SODAR Ltd 275.000.000Frw y’ikiguzi yahawe mu masezerano bagiranye y’imfabusa, rutegeka Bank of Kigali Plc na SODAR Ltd gufatanya (in solidum) guha Dukorerehamwe Company Ltd indishyi zingana na 17.000.000Frw n’igihembo cy’Abavoka kingana na 3.000.000Frw. Runategeka Bank of Kigali Plc na SODAR Ltd gusubiza Dukorerehamwe Company Ltd 20.000Frw yatanzeho ingwate y’amagarama irega. [11] Bank Of Kigali Ltd na SODAR Ltd ntizishimiye iyo mikirize y’urubanza, maze ku wa 29/03/2022 ziyijuririra mu Rukiko Rukuru, Urugereko rwa Rusizi. [12] Mu rubanza RCA00031/2022/HC/RSZ, SODAR Ltd yajuriye inenga ko Urukiko Rwisumbuye rwavuze ko nta rubanza rwavanyeho urubanza RCOM00643/2017/TC/NYGE (ikirego cyihutirwa), rwirengagije cyangwa rudasobanukiwe uko ibikorwa byagiye bikurikirana, kuva aho Dukorerehamwe Company Ltd isubirijwe uruganda mu rubanza rwavuzwe haruguru, kugeza Bank of Kigali Plc isaba kwegurirwa ingwate ikabihabwa n’Umwanditsi Mukuru, ikaza kuyiyigurisha. Inenga kandi kuba Urukiko Rwisumbuye rwa Rusizi rwarayiciye indishyi kandi nta kosa yigeze ikora, haba mu manza zabaye hagati ya Dukorerehamwe Company Ltd na Bank of Kigali Plc cyangwa se mu masezerano y’ubugure yakoranye na Bank of Kigali Plc, bityo igasaba ko ayo makossa yakosorwa maze izo ndishyi yaciwe nazo zikavanwaho. [13] Mu rubanza CMB RCA00032/2022/HC/RSZ, Bank of Kigali Plc yo yajuriye ivuga ko Dukorerehamwe Company Ltd yitwaje irangizwa ry’urubanza RCOM00643/2017/TC/NYGE ryayihaye uburenganzira ku mutungo wayo, nyamara yirengagiza ko nyuma y’ibyo Bank of Kigali Plc na yo yahawe uburenganzira bwo kwegukana uwo mutungo binyuze mu cyemezo cy’Umwanditsi Mukuru (RDB) yaje kuregera isaba ko kivanwaho, bikarangira Urukiko rw’ubucuruzi rusanze ibyo Dukorerehamwe Company Ltd ivuga nta shingiro bifite, ibyo byemezo bikaba bikumira ububasha bw’Urukiko Rwisumbuye rwa Rusizi bwo kongera gufata ibyemezo bishya ku bintu byamaze kuburanishwa n’izindi nkiko, nyamara rwo rukaba rwarabirenzeho rugafata icyemezo gitesha agaciro icyemezo cyo kwegukana umutungo cyatanzwe n’Umwanditsi Mukuru (RDB) cyaburanishijwe kikarangirira mu rubanza RCOM00974/2017/TC/NYGE na RCOM01676/2020/TC/NYGE,rutegeka ko amasezerano Bank of Kigali Plc yagiranye na SODAR Ltd abaye impfabusa, ndetse runategeka ko Bank of Kigali Plc isubiza SODAR Ltd amafaranga yaguze uwo mutungo kandi bitari byararegewe, iryo rikaba ari ryo ryari ipfundo ry’ubujurire bwa Banki ya Kigali muri urwo rubanza rw’ubujurire.

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[14] Izo manza zombi zarahujwe ziburanishirizwa hamwe mu rubanza RCA00031/2022/HC/RSZ, Dukorerehamwe CompanY Ltd yiregura ivuga ko nta kibazo cy’iburabubasha cyakagombye kuvugwa muri urwo rubanza, kubera ko ikirego cyayo ntaho gihuriye n’ibikorwa by’ubucuruzi yagiye ikorana na Bank of Kigali Plc, ko icyo yifuza ari ukuvana SODAR Ltd mu ruganda rwayo yatsindiye mu rubanza RCOM00643/2017/TC/NYGE rwaciwe ku wa 11/04/2017 n’indi mitungo yose igizwe n’amazu abaruwe kuri UPI: 3/06/10/02/301 na UPI: 3/06/10/02/340, kuko iri muri uwo mutungo ndetse ikaba yaranawiyandikishijeho kandi nta masezerano yagiranye na yo. [15] Urukiko Rukuru, Urugereko rwa Rusizi, rwasuzumye ibibazo bijyanye no kumenya ingaruka z’icyemezo cyafashwe mu rubanza RCOM 00643/2017/TC/NYGE rw’ikirego cyihutirwa ku mutungo ugizwe n’uruganda rubaruye kuri UPI: 3/06/10/02/349 wari waratanzweho ingwate na Dukorerehamwe Company Ltd muri Bank of Kigali Plc, kumenya niba harabayeho guca urubanza ku bibazo bitigeze biregerwa, no kumenya ishingiro ry’amafaranga y’igihembo cya Avoka n’ay’ikurikiranarubanza. [16] Ku wa 05/01/2023, Urukiko Rukuru, Urugereko rwa Rusizi, rwakijije urwo rubanza, rwemeza ko ubujurire bwa SODAR Ltd na Bank of Kigali Plc bufite ishingiro, ko imikirize y’urubanza RC00106/2021/TGI/RSZ rwaciwe ku wa 09/03/2022 n’Urukiko Rwisumbuye rwa Rusizi, ihindutse mu ngingo zayo zose, ikaba ivanweho, ko nta cyagombaga gutegekwa gishingiye ku cyemezo cy’agateganyo cyafashwe mu kirego cyihutirwa cyatakaje agaciro nyuma y’icibwa ry’urubanza rw’iremezo, kandi ko ibibazo by’inyongera bijyanye n’amasezerano y’ubucuruzi yakozwe hagati ya Bank of Kigali Plc na SODAR Ltd, ndetse n’ishyirwa mu bikorwa ry’icyemezo cyo kwegurira ingwate cy’Umwanditsi Mukuru bitaburanishirizwa mu nkiko zisanzwe. Rutegeka Dukorerehamwe Company Ltd kwishyura Bank of Kigali Plc amafaranga 1.000.000Frw y’ikurikiranarubanza n’igihembo cya Avoka, no kwishyura SODAR Ltd amafaranga 1.000.000Frw y’ikurikiranarubanza n’igihembo cya Avoka. Runayitegeka gusubiza SODAR Ltd amafaranga 40.000Frw yatanzeho ingwate y’amagarama ijurira. [17] Ku wa 03/02/2023, Dukorerehamwe Company Ltd yajuririye urubanza RCA00031/2022/HC/RSZ mu Rukiko rw’Ubujurire, ubujurire bwayo buhabwa RCAA00003/2023/CA, aho inenga Urukiko Rukuru, Urugereko rwa Rusizi, kuba rwaraciye urubanza ku kitararegewe, no kuba SODAR Ltd ifite umutungo ubaruye kuri UPI: 3/06/10/02/349 mu buryo budakurikije amategeko, ndetse no kuba SODAR Ltd yaragombaga gutegekwa kuyiha indishyi yasabye mu kirego kiregera kwiregura kubera kwigabiza imitungo yayo, inasaba indishyi zitandukanye zo kuri uru rwego rw’ubujurire. [18] Impaka ziri muri uru rubanza zishingiye ku bibazo bikurikira : Kumenya nyir’umutungo ugizwe n’uruganda rw’umuceri ubaruye kuri UPI: 3/06/10/02/349 hagati ya Dukorerehamwe Company Ltd na SODAR Ltd; Kumenya niba Urukiko Rukuru, Urugereko rwa Rusizi, rwarafashe icyemezo ku kitararegewe ; Kumenya niba SODAR Ltd yarigabije imitungo ifite UPI: 3/06/10/02/301 na UPI: 3/06/10/02/340 ku buryo yategekwa kubitangira indishyi;

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Ikibazo cy’indishyi, amafaranga y’ikurikiranarubanza n’igihembo cya Avoka asabwa n’ababuranyi. [19] Iburanisha ry’urubanza ryashyizwe ku wa 05/04/2023, hitaba Dukorerehamwe Company Ltd ihagarariwe na Me Mihigo Bernard afatanyije na Me Karangwayire Epiphanie, Bank of Kigali Ltd ihagarariwe na Me Rutabingwa Athanase, naho SODAR Ltd ihagarariwe na Me Twiringiyemungu Joseph, urubanza ruburanishwa mu mizi kandi rurapfundikirwa. Urukiko rushyira isomwa ryarwo ku wa 28/04/2023, ari na wo munsi rusomeweho mu ruhame. II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA Kumenya nyir’umutungo ugizwen’uruganda rw’umuceri ubaruye kuri UPI: 3/06/10/02/349 hagati ya Dukorerehamwe Company Ltd na SODAR Ltd. [20] Dukorerehamwe Company Ltd ivuga ko umutungo ugizwe n’uruganda rw’umuceri ubaruye kuri UPI: 3/06/10/02/349 wari usanzwe ari uwayo, iza kuwutangaho ingwate muri Bank of Kigali Plc ku mwenda iyi banki yayihaye ungana na 563.000.000Frw, hanyuma iza kunanirwa kuwishyura, ibyo bituma Bank of Kigali Plc isaba Umwanditsi Mukuru uburenganzira bwo guteza cyamunara iyo ngwate, arabuyiha maze uwo mutungo utezwa cyamunara, ariko biza kugaragara ko yakozwe mu buryo bunyuranije n’amategeko, Umwanditsi Mukuru arayisesa. Bank of Kigali Plc yareze Umwanditsi Mukuru mu Rukiko rw’Ubucuruzi rwa Nyarugenge mu rubanza RCOM00642/2017/TC/NYGE, irusaba gukuraho icyemezo cy'Umwanditsi Mukuru cyo ku wa 27/03/2017, nyuma y’aho itanga ikirego cyihutirwa mu rubanza RCOM00643/2017/TC/NYGE isaba ko umutungo wegukanywe na SODAR Ltd muri cyamunara yabaye ku wa 27/01/2017, washyirwa mu maboko ya Bank of Kigali Ltd, cyangwa SODAR Ltd, mu gihe hategerejwe icyemezo cy’Urukiko, rutegeka ko ikirego cyayo nta shingiro gifite, rutegeka Bank of Kigali Plc gusubiza Dukorerehamwe Company Ltd imfunguzo z’urwo ruganda kugeza igihe urubanza ku kirego cy’iremezo rufite RCOM00642/2017/TC/NYGE ruzaba rumaze gucibwa. [21] Abayihagarariye bavuga ko nyuma y’aho Bank of Kigali Plc yaje kureka ikirego cy’iremezo, hanyuma yandikira Umwanditsi Mukuru imusaba kwegukana ingwate (Take over), arabiyemerera, ihabwa iyo ngwate mu nyandiko yo ku wa 20/04/2017, ariko ayisaba ko niramuka ishatse kugurisha iyo ngwate yazabikora mu cyamunara, ko ariko Bank of Kigali Plc yabirenzeho ikawugurisha SODAR Ltd rwihishwa. [22] Bavuga kandi ko icyo Dukorerehamwe Company Ltd inenga mu cyemezo kijuririrwa kuri iyi ngingo, ari ukuba Urukiko rwaravanyeho ikirego cyihutirwa (REFERE) cyeguriraga umutungo Dukorerehamwe Company Ltd rutagize ikindi ruvuga ku bijyanye no kuba SODAR Ltd yaravugaga ko uwo mutungo yawuguze na Bank of Kigali Plc kandi iyi Banki yari yarahawe kwegukana ingwate, ariko ko mu gihe yari kuwugurisha yari kubikora mu cyamunara. [23] Uhagarariye SODAR Ltd, yiregura avuga ko iyi mpamvu y’ubujurire nta shingiro ifite kuko uwo mutungo ubaruye kuri UPI: 3/06/10/02/349 ubu ari uwa SODAR Ltd, ko yawuguze na Bank of Kigali Plc nk’uko bigaragazwa n’amasezerano y’ubugure impande zombi zagiranye ku wa 08/11/2018, kandi ko yawuguze nyuma yo kuyigaragariza ko BK Plc yari yaregukanye uwo mutungo mu buryo bwa take over.

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[24] Avuga ko ibivugwa na Dukorerehamwe Company Ltd ko RDB yasabye ko mu gihe Bank of Kigali Plc niramuka ishatse kugurisha umutungo uvugwa yazabikora mu cyamunara, ko kuba bitarakurikijwe ari yo mpamvu asanga SODAR Ltd ifite uwo mutungo mu buryo budakurikije amategeko, ntaho SODAR Ltd ihurira na byo, kandi ko itumva impamvu itabiregeye uwagombaga kubikora. Ko kandi itagaragaza aho RDB yaba yaravuze ko niba Bank of Kigali Plc itabikoze mu buryo bwa cyamunara, automatiquement umutungo uzahita wongera kuba uwayo kandi itarishyuye umwenda watumye uwo mutungo ugurishwa. Bityo ko ibyo Dukorerehamwe Company Ltd ivuga nta na hamwe ibishingira, haba ku rwego rw’amategeko, cyangwa mu rwego rwo gusesengura icyemezo cya RDB. [25] Uhagarariye Bank of Kigali Plc, kuri iyi ngingo avuga ko umutungo ubaruye kuri UPI: 3/06/10/02/349 Bank of Kigali Plc yawegukanye ku wa 20/04/2017, iwandikwaho nka nyirawo mu buryo bukurikije amategeko, nyuma yaho iwugurisha SODAR Ltd, ndetse ko na nyuma y’uko iwegukana Dukorerehamwe Company Ltd yashoje imanza RCOM00974/2020/TC/NYGE na RCOM 001676/2020/TC zigamije gutesha agaciro icyemezo cy’Umwanditsi Mukuru muri RDB cyayeguriye uwo mutungo ariko izo manza zemeza ko Permit to take over ifite agaciro, ari na ho Bank of Kigali Plc yakomoye uburenganzira bwo kugurisha SODAR Ltd uwo mutungo. UKO URUKIKO RUBIBONA [26] Impaka kuri iki kibazo zishingiye ku kuba Dukorerehamwe Company Ltd ivuga ko umutungo ugizwe n’uruganda rw’umuceri ubaruye kuri UPI: 3/06/10/02/349 ari uwayo hashingiwe ku cyemezo ku kirego cyihutirwa mu rubanza RCOM00643/2017/TC/NYGE rwemeje ko ukomeza kuba uwayo mu gihe hataracibwa urubanzo rw’iremezo RCOM00642/2017/TC/NYGE, SODAR Ltd yo ikavuga ko uwo mutungo ari uwayo kuko yawuguze na Bank of Kigali Plc nyuma yo kugaragarizwa n’ugurisha ibyangombwa by’umutungo bigaragaza ko ari nyirawo ndetse ubu umutungo ukaba waranditswe kuri SODAR Ltd yawuguze, naho Bank of Kigali Plc ikavuga ko ubu uyu mutungo ari uwa SODAR Ltd kuko nyuma y’uko Bank of Kigali Plc iretse ikirego cyayo RCOM00642/2017/TC/NYGE yasabagamo ko hagumaho cyamunara yari yareguriye SODAR Ltd uwo mutungo, icyo kirego kikaba ari cyo cy’iremezo cyari cyuririweho n’ikirego cyihutirwa RCOM00643/2017/TC/NYGE, icyemezo cy’agateganyo mu rubanza RCOM00643/2017/TC/NYGE nacyo cyahise kivaho kuko n’urubanza icyo kirego cyari cyaruririye cyari kimaze kuvaho, na nyuma kandi y’uko Bank of Kigali Plc ihawe n’Umwanditsi Mukuru muri RDB uburenganzira bwo kwegukana ingwate (permit to take over), umutungo ukayandikwaho nka nyirawo, yawugurishije SODAR Ltd. [27] Ingingo ya 185, igika cya mbere, y’Itegeko N0 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ibikurikira : “Iyo hari ikirego cy’iremezo, ariko hagomba kugira icyemezwa by’agateganyo mu buryo bwihuta ku rubanza rwaregewe urukiko rutaraburanishwa, ikirego cyihutirwa gishyikirizwa umucamanza ushinzwe kurangiza impaka zihutirwa w’aho zigomba gukemurirwa hakurikijwe uburyo busanzwe bw’ihamagara”. [28] Dosiye y’uru rubanza igaragaza ko ababuranyi bose bemeranwa ko urubanza RCOM00643/2017/TC/NYGE ari ikirego cyihutirwa cyatanzwe na BK Plc cyuririye ku rubanza

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rw’iremezo RCOM00642/2017/TC/NYGE rwari rutaracibwa. Hashingiwe ku ngingo y’itegeko yibukijwe haruguru, ibi bikaba bivuze ko icyemezo ku kirego cyihutirwa RCOM00643/2017/TC/NYGE kigomba kuba ari agateganyo gitegereje gushimangirwa cyangwa se kuvanwaho n’icyemezo ku kirego cy’iremezo RCOM00642/2017/TC/NYGE kigomba gufatwa ko ari cyo cya burundu ku byari byemejwe mbere mu buryo bw’agateganyo. [29] Urukiko rurasanga, nk’uko n’Urukiko Rukuru, Urugereko rwa Rusizi, rwabibonye1, mu gihe Bank of Kigali Plc yaretse ikirego cy’iremezo RCOM00642/2017/TC/NYGE kandi Urukiko rw’Ubucuruzi rwa Nyarugenge rugaca urwo rubanza rwemeza uko kureka ikirego, byahise bigira ingaruka zo kuvanaho icyemezo cy’agateganyo cyari cyafashwe mu rubanza ku kirego cyihutirwa RCOM00643/2017/TC/NYGE. Bityo ntabwo ibivugwa na Dukorerehamwe Company Ltd ko ari nyir’umutungo uburanwa wavuzwe haruguru hashingiwe kuri urwo rubanza rw’agateganyo RCOM00643/2017/TC/NYGE byashobora kugira ishingiro, ahubwo ubwo burenganzira Dukorerehamwe Company Ltd yahise ibugira ibukomoye ku cyemezo cyo kureka ikirego RCOM00642/2017/TC/NYGE nacyo cyari gihise kivanaho urubanza RCOM00643/2017/TC/NYGE, maze ibintu bigahita bisubira kumera uko byari bimeze mbere y’ukubaho kw’izo manza, nk’uko n’Urukiko Rukuru rwaciye uru rubanza rujuririrwa rwabibonye2. Ibi bikaba bivuze kandi ko mu gihe nta cyigeze kivanaho icyemezo cy’Umwanditsi Mukuru muri RDB cyo ku wa 27/03/2017 cyanze kwemeza cyamunara yari yakozwe ku wa 27/01/2017 ku mutungo wavuzwe haruguru ukegukanwa na SODAR Ltd, uwo mutungo wakomeje kuba uwa Dukorerehamwe Company Ltd kugeza ubwo Bank of Kigali Plc yari imaze kuburira burundu ubwishyu mu gukoresha inzira ya cyamunara ku ngwate yongeye noneho gutangiza inzira ya kabiri yo gushakira ubwishyu mu nzira yo kwegukana ingwate (take over). [30] Hashingiwe ku bimaze gusobanurwa haruguru, Urukiko rurasanga rugomba guha ishingiro imiburanire y’uhagarariye Bank of Kigali Plc n’iy’uhagarariye SODAR Ltd, kuri iyi ngingo aho bavuga ko umutungo ubaruye kuri UPI: 3/06/10/02/349 Bank of Kigali Plc yawegukanye ku wa 20/04/2017 ubwo yahabwaga n’Umwanditsi Mukuru icyemezo cyo kwegukana ingwate (permit to take over), ikawandikwaho nka nyirawo hashingiwe kuri icyo cyemezo cyabugenewe, nyuma yaho ikawugurisha SODAR Ltd, ndetse ko na nyuma y’uko BK Plc iwegukana Dukorerehamwe Company Ltd ikagerageza gushoza imanza RCOM00974/2020/TC/NYGE na RCOM001676/2020/TC zigamije gutesha agaciro icyemezo cy’Umwanditsi Mukuru muri RDB cyayeguriye uwo mutungo ariko izo manza zose zikaba itegeko zemeje ko Permit to take over ifite agaciro, ari na ho Bank of Kigali Plc yakomoye uburenganzira bwo kugurisha SODAR Ltd uwo mutungo, iyi nayo ikaba ari yo ubu iwutunze. Bityo rero uyu mutungo ukaba ubu ari uwa SODAR Ltd yawubonye mu buryo bukurikije amategeko bumaze gusobanurwa. Ubujurire bwa Dukorerehamwe Company Ltd kuri iyi ngingo bukaba nta shingiro bufite. Kumenya niba Urukiko Rukuru Urugereko rwa Rusizi rwarafashe icyemezo ku kitararegewe n’agaciro rwahaye urubanza RCOM00643/2017/TC/NYGE. [31] Dukorerehamwe Company Ltd ivuga ko Urukiko Rukuru Urugereko rwa Rusizi rwafashe ikemezo ku kitararegewe, aho rwavuze ko icyemezo cyafashwe mu rubanza 1Reba agace ka 24, ku rupapuro rwa 11 rw’urubanza rujurirwa rwaciwe n’Urukiko Rukuru, Urugereko rwa Rusizi; 2Reba agace ka 27 n’aka 28 ku rupapuro rwa 12 rw’urubanza rwajuririwe

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RCOM00643/2017/TC/NYGE cyari icy’agateganyo, ko mu gihe Bank of Kigali Plc yaretse ikirego cy’iremezo mu rubanza RCOM00642/2017/TC/NYGE bivuze ko n’icyo cy’agateganyo cyari gitaye agaciro kandi bitari mu byo rwaregewe. [32] Ababuranira Dukorerehamwe Company Ltd basobanura ko iyi sosiyete yaregeye Urukiko ikirego cyo “Gutegeka SODAR Ltd kuva mu ruganda rwa Dukorerehamwe Company Ltd(Deguerpissement) yatsindiye mu rubanza RCOM00643/2017/TC/NYGE rwaciwe ku wa 11/04/2017 n’indi mitungo yose igizwe n’amazu abaruwe kuri UPI: 3/06/10/02/301 na UPI: 3/06/10/02/340”, yari yaragiyemo mu buryo budakurikije amategeko, Urugereko rwa Rusizi aho kugira ngo ruburanishe kuri icyo cyaregewe, ruvuga ko icyemezo cyafashwe mu rubanza RCOM00643/2017/TC/NYGE cyari icy’agateganyo, ko mu gihe Bank of Kigali Plc yaretse ikirego cy’iremezo mu rubanza RCOM00642/2017/TC/NYGE bivuze ko n’icyo cy’agateganyo cyari gitaye agaciro kandi bitari mu byo rwaregewe. Naho ku bijyanye n’imanza RCOM00974/2021/TC/NYGE na RCOM01676/2020/TC, basobanura ko ntacyo zivuga ku rubanza RCOM00643/2017/TC/NYGE kandi ko kuba Bank of Kigali Plc yararetse ikirego yiyambuye uburenganzira yari ifite ku cyaburanwaga, rero ko nta burenganzira yari ifite bwo kujya kwaka permit to take over. [33] SODAR Ltd yiregura ivuga ko ibivugwa na Dukorerehamwe Company Ltd nta shingiro bifite kuko nta kuntu Urukiko rutari kugira icyo ruvuga ku gaciro k’urubanza RCOM00643/2017/TC/NYGE mu gihe icyaregerwaga mu rubanza rujuririrwa cyari gishingiye kuri icyo kirego cyihutirwa, aho yareze isaba Urukiko gutegeka SODAR Ltd kuva mu ruganda rwayo (Deguerpissement) yatsindiye mu rubanza RCOM 00643/2017/TC/NYGE rwaciwe ku wa 11/04/2017 n’indi mitungo yose igizwe n’amazu abaruwe kuri UPI: 3/06/10/02/301 na UPI: 3/06/10/02/340. [34] Bank Of Kigali Plc yo ivuga ko ibyo Dukorerehamwe Company Ltd ivuga bitaba impamvu y’ubujurire, kuko Urukiko Rukuru, Urugereko rwa Rusizi rutari gufata icyemezo ku kirego yatanze rutavuze ku rubanza RCOM00643/2017/TC/NYGE aho Urukiko rwemeje ko umutungo uburanwa usubira mu maboko yayo, kandi ari rwo yashingiragaho ikirego cyayo, aho Bank of Kigali Plc yari yatanze ikirego cyihutirwa gisaba ko umutungo wegukanywe na SODAR Ltd muri cyamunara yabaye ku wa 27/01/2017 washyirwa mu maboko yayo cyangwa ya SODAR Ltd, mu gihe hategerejwe icyemezo cy’Urukiko mu rubanza RCOM00642/2017/TC/NYGE. Kuba rero urubanza RCOM00643/2017/TC/NYGE rumaze gucibwa Bank of Kigali Plc yararetse urubanza rw’iremezo, bivuze ko icyo kirego cyihutirwa cyahise gita agaciro nk’uko n’Urukiko rwabyemeje mu rubanza rujuririrwa. Kandi kuba hari imanza RCOM00974/2021/TC/NYGE na RCOM01676/2020/TC zamaze kuba Itegeko, zemeje ko Bank of Kigali Plc yegukana ingwate, ku buryo urubanza RCOM00643/2017/TC/NYGE nta gaciro rwari rugifite. UKO URUKIKO RUBIBONA [35] Nk’uko bimaze gusobanurwa haruguru mu isuzumwa ry’ikibazo cya mbere ari nacyo nyamukuru mu bigize impaka muri uru rubanza, nta kuntu Urukiko Rukuru, Urugereko rwa Rusizi, mu rubanza rujuririrwa rwari gushobora gusesengura no gukemura ikibazo cyo kumenya nyir’umutungo uburanwa Dukorerehamwe Company Ltd yitaga uwayo ishingiye ku rubanza RCOM00643/2017/TC/NYGE rutabanje gusuzuma agaciro k’urwo rubanza ngo rubigereranye

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n’agaciro k’amasezerano y’ubugure SODAR Ltd nayo yashingiragaho ivuga ko umutungo ari uwayo. Uru Rukiko rukaba rero rusanga Urukiko Rukuru, Urugereko rwa Rusizi, ntaho rwarengereye ngo ruce urubanza ku cyo rutaregewe. Bityo ubujurire bwa Dukorerehamwe Company Ltd kuri iyi ngingo bukaba nta shingiro bufite. Kumenya niba SODAR Ltd yarigabije imitungo ifite UPI: 3/06/10/02/301 na UPI: 3/06/10/02/340 ku buryo yategekwa kubitangira indishyi [36] Dukorerehamwe Company Ltd ivuga ko SODAR Ltd yigabije imitungo yayo igizwe n’amazu abiri abaruye kuri UPI: 3/06/10/02/301 na UPI: 3/06/10/02/340, yatanga ikirego kiregera kwiregura ibisabira indishyi Urukiko rukanga kuziyigenera. [37] Abahagarariye Dukorerehamwe Company Ltd basobanura ko ku wa 20/04/2017 yari yarangirishije urubanza RCOM00643/2017/TC/NYGE baciye ingufuri bashyiraho izindi mfunguzo bikorwa na Huissier Mutabaruka Jean, ariko izo mfunguzo zisigirwa DPC wa Rusizi Safari Christian wari wamufashije muri icyo gikorwa, amutegeka kuzimusigira, SODAR Ltd iwigabiza bukeye bwaho ku wa 21/04/2017 ndetse yongeraho n’amazu abiri yakodeshaga abaruye kuri UPI: 3/06/10/02/301 na UPI: 3/06/10/02/304, yavugaga ko yahawe n’iyo Banki, iyatanga mu kwa karindwi 2022. Bavuga ko bayasabiye indishyi y’igihe bayabagamo ariko yari yaregewe deguerpissement n’irimo uruganda ruri kuri UPI: 3/06/10/02/349 yanditse kuri SODAR Ltd, ibyo byose babisobanuriye Urukiko Rukuru, Urugereko rwa Rusizi mu bujurire bwuririye ku bundi, ariko ntirwabiha agaciro. Bityo ni yo mpamvu isaba uru Rukiko kuyitegeka gusubiza iyo mitungo kuyiha izo ndishyi hiyongereyeho indishyi z’ubukererwe, zose hamwe zikaba 59.197.000Frw. [38] Uhagarariye SODAR Ltd avuga ko iyi mpamvu y’ubujurire bwa Dukorerehamwe COMPANY Ltd nta shingiro ikwiye guhabwa, kuko ubujurire bwuririye ku bundi busuzumwa iyo bugamije kwiregura, nk’uko biteganywa n’ingingo ya 152 y’Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi. Avuga kandi ko SODAR Ltd itazi ibijyanye n’imitungo Dukorerehamwe Company Ltd ivuga ko yigabije, cyane cyane ko nta n’aho ihuriye n’ikibazo cyasuzumwaga kijyanye no kumenya agaciro k’urubanza RCOM00643/2017/TC/NYGE, kuko muri urwo rubanza hataregwagamo ibijyanye n’iyo mitungo. [39] Bank Of Kigali Plc ivuga ko iyi ngingo y’ubujurire ntacyo yayivugaho kuko ibiyivugwamo bireba imitungo ibaruye kuri UPI: 3/06/10/02/301 na UPI: 3/06/10/02/304, mu gihe umutungo Bank of Kigali Plc yagurishije ari ubaruye kuri UPI: 3/06/10/02/349 ari na wo yireguraho. UKO URUKIKO RUBIBONA [40] Ingingo ya 10 y’Itegeko N0 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ibikurikira: “Umucamanza aca urubanza ku cyasabwe cyose kandi kuri icyo cyonyine”. [41] Dossier y’urubanza igaragaza raporo y’inama ntegurarubanza yakorewe urubanza ku wa 03/06/2022 rukiri mu Rukiko Rukuru, Urugereko rwa Rusizi. Iyo nama ntegurarubanza ikaba yari yitabiriwe n’ababuranyi bose mu rubanza rujuririrwa kandi bakaba barayishyizeho umukono. Mu biyikubiyemo hakaba hagaragaramo ubujurire bwa Dukorerehamwe Company Ltd bwuririye ku bwa

## Page 14

SODAR Ltd n’ubwa Bank of Kigali Plc, aho Dukorerehamwe Company Ltd yajuririraga icyemezo ku rwego rwa mbere cy’Urukiko Rwisumbuye rwa Rusizi cyo kudategeka ko isubizwa amafaranga y’ubukode n’indishyi mbonezamusaruro bikomoka ku mazu ari mu bibanza UPI n° 3/06/10/02/301 na UPI 3/06/10/02/340 ahubwo rukagarukira gusa ku kwemeza ko ibirebana n’ayo mazu nta mpaka ababuranyi bari babifiteho. [42] Iyo raporo y’inama ntegurarubanza igaragaza ko uhagarariye Dukorerehamwe ltd asobanura ko mu iburanisha ryo kuwa 16/02/2017 SODAR yavugaga ko amazu abaruye kuri UPI n° 3/06/10/02/301 na 3/06/10/02/340 atari mu maboko yayo, ahubwo ko imfunguzo zifitwe na Banki ya Kigali, Banki ya Kigali nayo ihakana ko ayo mazu iyafite, ko inzu yahaye SODAR Ltd ari inzu ibaruye kuri 3/06/10/02/349. Urukiko Rwisumbuye rukaba rwari rwemeje ko ayo mazu nta mpaka agibwaho, ariko ntirwigera rugena indishyi zikomoka ku kuba ayo mazu akorerwamo na SODAR Ltd guhera kuwa 21/04/2017, Dukorerehamwe Ltd ikaba isaba ko urukiko rwajuririwe (Urukiko Rukuru) rwategeka ko izo ndishyi zatangwa nk’uko zari zasabwe ku rwego rubanza. Yasabaga ko SODAR Ltd itegekwa gutanga indishyi zigizwe n’amafaranga y’ubukode bw’amazu bwishyuwe angana na 400.000 frw + 370.000 Frw buri kwezi X amezi 60 (kuva kuwa 21/04/2017 kugera kuwa 20/04/2022) = 46.200.000 Frw, n’indishyi mbonezamusaruro zingana na 18% = 770.000Frw (ubukode ku kwezi) X 12 X 18% = 1.663.200Frw ku mwaka X 5ans = 8.316.000Frw. [43] Iyo raporo y’inama ntegurarubanza igaragaza kandi ko ku birebana n’ayo mazu abiri abaruye kuri UPI 3/06/10/02/301 na UPI 3/06/10/02/340 Dukorerehamwe ltd isabira indishyi ivuga ko atunzwe na SODAR ltd, uhagarariye SODAR ltd yasobanuye ko icyo yemera SODAR ltd itunze ari ubutaka bubaruye kuri 349 gusa, ko numero 301 na 340 ziri ku ruhande zidafite aho zihuriye na 394 SODAR ltd yaguze, bityo ikaba itasubiza icyo idafite, cyangwa se ngo iryozwe indishyi zigishingiyeho. [44] Uru Rukiko rurasanga ibivugwa n’uburanira Dukorerehamwe Company Ltd ko indishyi zavuzwe haruguru zitigeze zitangwa ari ukuri, kuko uretse no kutaziyigenera, incarubanza y’urubanza rwajuririwe nta n’aho igaragaza ko Urukiko rwasubije iki kibazo rwari rwashyikirijwe mu buryo bw’ubujurire bwuririye ku bundi ndetse n’umuburanyi SODAR Ltd yazishyuzwaga akaba yari yazireguyeho nk’uko bigaragazwa na raporo y’inama ntegurarubanza. Kudasuzuma iki kibazo bikaba ari ikosa ryo kwica ibiteganywa n’ingingo ya 10 y’Itegeko N0 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi yibukijwe haruguru. Iryo kosa rikaba rero rigomba gukosorwa n’uru Rukiko muri ubu bujurire, rugasubiza iki kibazo kitasubijwe n’Urukiko rwaciye urubanza rujurirwa. [45] Mu gusuzuma ikibazo cy’indishyi Dukorerehamwe Company Ltd isaba kwishyurwa na SODAR Ltd kubera igihe imaze iyibereye mu mazu abiri abaruye kuri UPI 3/06/10/02/301 na UPI 3/06/10/02/340, uru Rukiko rurasanga mu rubanza ku rwego rwa mbere Urukiko Rwisumbuye rwa Rusizi rwaremeje ko iyo mitungo nta mpaka iteye kuko SODAR Ltd yireguraga ivuga ko itigeze itunga ayo mazu, ko itigeze ibuza nyirayo kuyakoresha icyo ashaka kandi Dukorerehamwe Company Ltd ikaba itaragaragazaga ibimenyetso by’uko yaba yarigeze igira icyo ikenera gukoresha ayo mazu yayo ngo ikivutswe na SODAR Ltd. Uru Rukiko rukaba rero rusanga mu gihe Dukorerehamwe Company Ltd itigeze ibasha kugaragaza uburyo SODAR Ltd yigabije amazu yayo, yabasha guhabwa indishyi z’ubukode yaba yaravukijwe n’uko kuyigabiza. Bityo ubujurire bwa Dukorerehamwe

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Company Ltd kuri iyi ngingo bukaba nabwo nta shingiro bwari guhabwa n’iyo bujya kuba bwarasuzumwe n’urukiko rwaciye urubanza rujuririrwa. Ikibazo cy’indishyi, amafaranga y’ikurikiranarubanza n’igihembo cya Avoka bisabwa n’ababuranyi [46] Abahagararaiye Dukorerehamwe Company Ltd basaba Urukiko rw’Ubujurire gutegeka Bank of Kigali Plc na SODAR Ltd gufatanya kuyishyura indishyi z’akababaro zingana na 40.000.000Frw, n’iz’ikurikiranarubanza n’igihembo cya Avoka zingana na 12.000.000Frw. [47] Uhagarariye Bank of Kigali Plc avuga ko indishyi z’akababaro, amafaranga y’ikurikiranarubanza n’igihembo cya Avoka Dukorerehamwe Company Ltd isaba nta shingiro bifite kuko n’ubujurire bwayo nta shingiro bufite. Asaba ahubwo Urukiko rw’Ubujurire gutegeka Dukorerehamwe Company Ltd guha Bank Of Kigali Plc 5.000.000Frw y’igihembo cya Avoka na 1.000.000 Frw y’ikurikiranarubanza, kuko ikomeza kuyizana mu manza, ikomeza gutanga ibirego bigamije gusubirana umutungo ubaruye kuri UPI : 3/06/10/02/349 kandi izi neza ko iyi Banki yamaze kuwegukana bikurikije amategeko. [48] Uhagarariye SODAR Ltd nawe avuga ko indishyi n’amafaranga Dukorerehamwe Company Ltd isaba nta shingiro bifite, kuko n’ubujurire bwayo nta shingiro bufite. Asaba ahubwo ko Dukorerehamwe Company Ltd ari yo itegekwa guha SODAR Ltd 10.000.000Frw y’indishyi zo gushorwa mu manza, 5.000.000Frw y’igihembo cya Avoka na 1.000.000Frw y’ikurikiranarubanza. [49] Uhagarariye Dukorerehamwe Company Ltd avuga ko indishyi n’amafaranga bisabwa na SODAR Ltd na Bank of Kigali Plc ntazo bahabwa kuko ntaho zishingiye. Asobanura ko kuba SODAR Ltd itunze imitungo ya Dukorerehamwe Company Ltd mu buryo bunyuranyije n’amategeko itakuririra ku makosa yayo ngo ibisabire indishyi, naho kuri Bank of Kigali Plc ngo ikaba ari yo yabaye nyirabazana w’izi manza, kuko ngo n’ubwo iyi Banki yahaye Dukorerehamwe Company Ltd umwenda, hakishyurwa igice kimwe hagasigara ikindi, ariko ngo irarenga igurisha ingwate rwihishwa igamije kuyivutsa uburenganzira bwo kuba na yo yagura uwo mutungo wayo ikawugumana. UKO URUKIKO RUBIBONA - Ku bijyanye n’indishyi z’akababaro zisabwa [50] Urukiko rurasanga indishyi z’akababaro zisabwa na Dukorerehamwe Company Ltd nta shingiro zifite kuko n’ubujurire bwayo nta shingiro bwahawe ku kiregerwa cy’ibanze. Naho izisabwa na SODAR Ltd ngo kubera gushorwa mu manza zikaba nazo nta shingiro zifite kuko nta kimenyetso zatangiwe ngo uzisaba agaragaze niba mu kuregwa na Dukorerehamwe Company Ltd mu buryo busanzwe buteganyijwe n’amategeko ku bafite icyo batumvikanaho hari ikindi icyo kirego cyari kigamije kitari ugushaka ukuri ku cyo urega yibwiraga ko afiteho uburenganzira. - Ku bijyanye n’amafaranga y’ikurikiranarubanza n’ay’igihembo cya Avoka asabwa [51] Ingingo 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 iteganya ibi bikurikira :

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“Ikirego cy’amafaranga y’ikurikiranarubanza ni ikirego gishamikira ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza. Ikirego cy’amafaranga y’ikurikiranarubanza kiburanishirizwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikanaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe”. [52] Hakurikijwe ibiteganywa n’iyi ngingo yibukijwe haruguru, Urukiko rurasanga amafaranga y’ikurikiranarubanza n’ay’igihembo cya Avoka Dukorerehamwe Company Ltd isaba nta shingiro afite kuko n’ubujurire bwayo ku kiregerwa cy’ibanze nta shingiro bwahawe nk’uko byasobanuwe haruguru. Urukiko rurasanga ahubwo SODAR Ltd na Bank of Kigali Plc ari zo zikwiye guhabwa aya mafaranga, ariko kuko ayasabwe ari menshi cyane ugereranyije n’imiterere y’uru rubanza, mu bushishozi bw’Urukiko hakaba hagenwe 500.000Frw y’igihembo cya Avoka na 200.000Frw y’ikurikiranarubanza kuri buri wese. III. ICYEMEZO CY’URUKIKO [53] Rwemeje ko ubujurire bwatanzwe na Dukorerehamwe Company Ltd nta shingiro bufite ; [54] Rutegetse ko imikirize y’urubanza RCA00031/2022/HC/RSZ rwaciwe n’Urukiko Rukuru, Urugereko rwa Rusizi, ku wa 05/01/2023 igumaho mu ngingo zarwo zose ; [55] Rutegetse Dukorerehamwe Company Ltd kwishyura SODAR Ltd na Bank of Kigali Plc 500.000Frw y’igihembo cya Avoka na 200.000Frw y’ikurikiranarubanza kuri buri wese, kuri uru rwego ; [56] Ruvuze ko amafaranga y’amagarama y’uru rubanza yatanzwe na Dukorerehamwe Company Ltd ahwanye n’ibyarukozwemo ;