ECOBANK v. MATABARO

ECOBANK v. MATABARO

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2016-01-29 - Case/document no.: RPA 0046/12/CS - Collection: Supreme Court

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ECOBANK v. MATABARO [Rwanda URUKIKO RW’IKIRENGA – 2013CS – RCOMA 0091/11/CS (Mukanyundo, P.J., Hatangimbabazi na Gakwaya, J.) 13 Ukuboza, 2013] Amategeko y’imbonezamubano – Amasezerano – kutubahiriza amasezerano y’inguzanyo – Agaciro k’amasezerano atariho umukono y’uwahawe inguzanyo – Amategeko y’imbonezamubano – Igihano gihatira kwishyura – Incamake y’ikibazo: Uregwa yarezwe kuba atarubahirije amasezerano y’inguzanyo y’igihe gito yahawe n’uwajuriye.Uwajuriye yahereye ku mabaruwa agaragaza ko yahaye uregwa inguzanyo, no kuri« historiques bancaires» zigaragaza ukuntu yagiye yishyura nyuma bikamunanira. Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza rukiza ko uwajuriye atsinzwe, uregwa atsinze. Urega yajuririye icyo cyemezo mu Rukiko rw’Ikirenga, avuga ko urukiko rukuru rw’ubucuruzi rwirengagije ibimenyetso yatanze ruvuga ko bidahagije kugirango rwemeze mu buryo budashidikanywaho ko umwenda uregwa akurikiranwa ho yawuhawe koko. Incamake y’icyemezo: Kuba uregwa avuga ko nta mukono we uri ku masezerano y’inguzanyo ntibyashingirwaho ngo hemezwe ko atahawe iyo nguzanyo kubera ko hari ibindi bimenyetso bigaragaza ko yayihawe koko. Mu gihe uregwa atigeze avuguruza inyandiko zigaragaza ko yahawe inguzanyo, nta mpanvu zitafatwa nk’ukuri.zikaba kandi zigaragaza ko hari umwenda yasabye akaba atarawishyuye, bityo akaba agomba kuwishyura. Igihano gihatira kwishyura nta shingiro kigira igihe

ntakigaragaza ko ugisabirwa atazubahiriza icyemezo cy’urukiko. Ubujurire bufite ishingiro. Urubanza rwajuririwe ruhindutse mu ngingo zarwo zose. Amagarama y’urubanza aherereye ku regwa. Nta tegeko ryashingiweho. Nta rubanza rwifashishijwe. Urubanza I. IMITERERE Y’URUBANZA [1] ECOBANK Ltd ivuga ko yagiranye amasezerano y’inguzanyo na Matabaro Violet, imuguriza amafaranga angana na 7.950.000Frw yagombaga kwishyura mu gihe kingana n’ukwezi kumwe, ikavuga ko iyo nguzanyo Matabaro yayisabye mu izina rya Sosiyete ARONEGA yari ahagarariye mu rwego rwo kugira ngo abashe kugemura ibikoresho byo mu biro kw’isoko yari yahawe na MININTERE, ariko nyuma ntiyayishyura, bituma imurega mu Rukiko Rukuru rw’Ubucuruzi.

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[2] Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza kuwa 13/07/2011, ruvuga ko ibimenyetso ECOBANK Ltd yatanze bidahagije kugira ngo Urukiko rwemeze mu buryo budashidikanywaho ko umwenda Matabaro akurikiranyweho yawuhawe koko, rukiza ko ECOBANK Ltd itsinzwe, ko Matabaro Violet na ARONEGA batsinze. [3] ECOBANK Ltd ntiyishimiye icyo cyemezo, maze ijurira mu Rukiko rw’Ikirenga, ivuga ko Urukiko Rukuru rw’Ubucuruzi rwirengagije ibimenyetso rwashyikirijwe byerekana ko Matabaro yahawe umwenda imurega. [4] Urubanza rwaburanishijwe kuwa 05/11/2013, ECOBANK Ltd ihagarariwe na Me BUZAYIRE Angèle naho Matabaro Violet atitabye Urukiko, ariko yarahamagawe mu buryo bukurikije amategeko, ku buryo ndetse yahamagawe inshuro zigera kuri eshatu kugirango yitabire inama ntegurarubanza, akanga kwitaba, ntatange n’umwanzuro wiregura ku bujurire bwa ECOBANK Ltd, Urukiko rukaba rwarafashe icyemezo cyo kuburanisha urubanza adahari. II.SESENGURA RY’IKIBAZO KIGIZE URU RUBANZA  Kumenya niba hari ibimenyetso bigaragaza ko hari umwenda Matabaro Violet yahawe na ECOBANK Ltd. [5] Uburanira ECOBANK Ltd, haba mu mwanzuro wanditse yashyikirije uru Rukiko, haba n’ibisobanuro yatangiye mu iburanisha ry’uru rubanza, avuga ko Umucamanza w’Urukiko Rukuru rw’Ubucuruzi yirengagije nkana ibimenyetso yashyikirijwe na ECOBANK Ltd byerekana ko MATABARO yahawe umwenda uvugwa muri uru rubanza, aribyo ibaruwa igaragaza ko Banki

imwemereye inguzanyo na « Historique » igaragaza uburyo Matabaro yagiye yishyura uwo mwenda nk’uko « Historique » ibigaragaza, nyuma bikamunanira, amaze kwishyura amafaranga agera kuri 12.000.000 Frw. [6] Avuga ko ibyo uwo Mucamanza yavuze by’uko nta masezerano yemerera inguzanyo Matabaro ariho umukono we ECOBANK Ltd yeretse Urukiko, nta shingiro bifite kuko amasezerano y’inguzanyo atari cyo kimenyetso ndakuka kigaragaza ko umuntu yahawe inguzanyo, mu gihe hari ibindi ibimenyetso byavuzwe haruguru uwo mucamanza yashyikirijwe, ariko ntagire icyo abivugaho. [7] Avuga ko n’ibyo uwo Mucamanza yavuze by’uko nta kigaragaza ko ibyo Banki yasabaga Matabaro yabyubahirije, nta shingiro bifite, kubera ko kuba MATABARO Violet atarujuje ibyo yatswe byose, atari byo byabujije Banki kumuha iyo nguzanyo nk’umukiriya wayo wifuzaga inguzanyo byihuse kugira ngo abashe kurangiza isoko yari yahawe, cyane ko mu ibaruwa yo kuwa 29/11/2005 imwemerera inguzanyo hatigeze havugwamo ko natuzuza ibyo asabwe bizaba intandaro yo kutamuha iyo nguzanyo. [8] Uburanira ECOBANK Ltd arangiza asaba mu mwanzuro we, ko MATABARO Violet yategekwa kwishyura 17.660.806 Frw akubiyemo umwenda remezo n’inyungu zawo, amafaranga y’ikurikirana rubanza n’igihembo cy’Avoka bingana na 3.000.000 frw, akanacibwa ibihano bimuhatira kwishyura bingana na 1% y’umwenda wose kuri buri munsi w’ubukererwe.

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UKO URUKIKO RUBIBONA [9] Dosiye y’uru rubanza igaragaza ko mu ibaruwa ye yo kuwa 21/11/2005 yandikiye Umuyobozi Mukuru wa BCDI (yahindutse ECOBANK Ltd ), MATABARO Violet/ARONEGA Stationery, yasabaga inguzanyo y’igihe gito yise “temporaly overdraft” (découvert temporaire) ingana na 7.950.000 Frw, bigeze kuwa 29/11/2005, Banki imusubiza ko iyo “découvert temporaire” iyimwemereye mu gihe cy’ukwezi kumwe. [10] Dosiye y’uru rubanza igaragaza nanone ko mu ibaruwa ye yo kuwa 24/11/2008, ECOBANK Ltd yahoze ari BCDI yandikiye MATABARO Violet/ARONEGA Stationery, yamumenyashaga ko atubahirije ibyo bumvikanyeho bijyanye n’iyo nguzanyo yahawe, ko asabwe kubyubahiriza mu minsi itarenze irindwi, akishyura umwendaremezo n’inyungu zawo, byose hamwe byanganaga na 23.597.045 Frw bibazwe kugeza tariki ya 20/11/2005. [11] Nanone mu ibaruwa yo kuwa 19/08/2009 ECOBANK yandikiye uwitwa Faroh NDAHIRO uvugwa ko ari umugabo wa MATABARO Violet, yamubwiraga ko Banki yemeye kugabanyiriza MATABARO Violet na Aronega Stationery inyungu baciwe, ko ariko bagomba kuba barishyuye umwenda wose uzaba uzigaye wa 17.216.785 Frw bitarenze kuwa 28/09/2009, batabyubahiriza, bakajyanwa mu nkiko. [12] Urukiko rurasanga inyandiko zose zimaze kuvugwa haruguru, mu gihe MATABARO Violet na Aronega Stationery batigeze bazivuguruza, nta mpamvu rutazifataho ukuri, zikaba kandi zigaragaza ko hari umwenda yasabye wa 7.950.000 Frw

ujyanye na “ découvert temporaire ”, ariko bakaba batarawishyuye nk’uko bivugwa n’uhagarariye ECOBANK, bakaba rero bagomba kuwishyura nk’uko ECOBANK iwubara mu mwanzuro yashyikirije uru Rukiko, ukaba ungana na 17.660.806 Frw ukubiyemo umwenda remezo n’inyungu zawo. [13] Urukiko rurasanga kandi ECOBANK igomba kugenerwa amafaranga y’ikurikirana rubanza n’igihembo cy’avoka kuko bigaragara ko kuba yaragiye mu nkiko byatewe na MATABARO Violet na Aronega Stationery batubahirije ibyo bumvikanye, biyisaba gushaka uyiburanira, gusa ayo mafaranga akagenwa mu bushishozi bw’ Urukiko, aho kuba 3.000.000 Frw yifuza, ariko ntisobanure uko iyabara, ndetse akaba akabije kuba menshi, ikaba yagenerwa ku nzego zose yaburaniyemo amafaranga 500.000 y’ikurikiranarubanza na 800.000 Frw y’igihembo cy’avoka kuri izo nzego zose. [14] Ku bijyanye n’ibyo ECOBANK isaba by’uko MATABARO Violet na Aronega Stationery bacibwa ibihano bibahatira kwishyura, Urukiko rurasanga nta shingiro bifite kuko nta kigaragaza ko batazubahiriza ibyemezo by’uru Rukiko. III. ICYEMEZO CY’URUKIKO [15] Rwemeje kwakira ubujurire bwa ECOBANK Ltd kandi ko bufite ishingiro; [16] Rutegetse MATABARO Violet na Aronega Stationery kwishyura ECOBANK Ltd, amafaranga angana na 17.660.806 Frw akubiyemo umwendaremezo n’inyungu zawo ;

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[17] Rutegetse MATABARO Violet na Aronega Stationery guha ECOBANK Ltd 500.000 Frw y’ikurikiranarubanza na 800.000 Frw y’igihembo cy’avoka ku nzego zose ECOBANK Ltd yaburaniyemo; [18] Rutegetse MATABARO Violet na Aronega Stationery kwishyura amagarama y’urubanza angana na 42.700 Frw abariwemo n’ay’ Urukiko Rukuru rw’ Ubucuruzi ; [19] Ruvuze ko urubanza rwajuririwe ruhindutse mu ngingo zarwo zose.