11Fina bank v. Ntaganda 1

11Fina bank v. Ntaganda 1

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2010-09-03 - Case/document no.: RCOMA 0045/09/CS - Collection: Supreme Court

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Fina bank v. Ntaganda [Rwanda URUKIKO RW’IKIRENGA – 2010SC – RCOMA 0045/09/CS (Mugenzi, P.J., Kanyange na Munyangeri N, J.) 03Nzeri 2010] Amategeko y’Ubucuruzi– Amasezerano y’Umwenda – Ingano y’inyungu igomba kugenderwaho ni 9% ariko mu gihe bank itabimenyesheje uwagurijwe, niba ishobora kuyirengagiza igasaba yuko hagenderwaho ku yindi iyiha inyungu nyinshi – Isabwa ryo kwongererwa igihe cyo kwishyura umwenda– wenda ubukerererwe bwatewe na bank kuburyo itakwihisha inyuma y’amakosa yayo –kwishyurana hagati y’impande zombi. Amategeko y’Ubucuruzi –Niba Uregwa yari afite inyungu mu guhitamo umwikorezi umuhombya cyangwa mu gutinza ifumbire yagombaga kugemurira Leta byihutirwa – wenda imyitwarire idakwiriye ya banki yabera imbogamizi uwatse inguzanyo – kutabasha kwishyura imyenda mu gihe byatewe n’imyitwarire mibi ya bank niba bisobanura yuko bank yasimbura uyifite mu nshingano ze afitiye abandi – wenda yagenerwa indishyi bitewe n’igihombo yatejwe n’inyungu yavukijwe. Amategeko y’Ubucuruzi–Kwishyura umwenda –Niba Urukiko rwakwemeza yuko bank ishobora kwiyishyura ivanye amafaranga kuli konti y’uwagurijwe– Mu gufata icyemezo Urukiko rushingira kubyasabwe bifitiwe ibisobanuro-niba uwareze afite mu nshingano ze gutanga ibisobanuro kubyo asaba urukiko kugira ngo rubifatire icyemezo Amategeko y’Ubucuruzi–Indishyi– indishyi z’akababaro kubera gutakaza icyizere mu bucuruzi–Ububasha

bw’urukiko mu bujurire mu kugabanya indishyi zikirenga rushingiye ku bushishozi bwarwo –Niba indishyi z’ikurikirana rubanza zisobanutse mu gihe uzaka yarakurikiranye urubanza mu gihe cy’imyaka umunani–kudakenerwa kwa astreinte mu gihe uwishyura atabuze ubushobozi –Ububasha bw’umucamanza mu kureba igikwiriye– Itegeko n° 18/2004 ryo kuwa 20/06/2004 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi nk’uko ryahinduwe kandi rikuzuzwa kugeza ubu, ingingo ya 201. Incamake y’ikibazo: Uwajuriye nka Banki yagiranye amasezerano y’Umwenda ungana na 222.817.400 frw hamwe n’Uregwa, kugira ngo atunganye isoko ryo kugemura ifumbire mvaruganda yari yatsindiye, 22.817.400 Rwf z’uwo mwenda akaba ari ingwate kuri iryo soko. Uwarezwe amaze kwemererwa umwenda,Uwajuriye yamusabye kwitangira 40.000.000 Rwf (Provision ya 20%)nawe ayasaba COGEBANQUE Nka découvert,arayahabwa. Bombi binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye, maze baregera Urukiko Rukuru rw’Ubucururuzi, Uwajuriye asaba kwishyurwa umwenda wa 176.703.558 frw hamwe n’inyungu zawo, naho Uregwa asaba Uwajuriye kumwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyo. Urukiko rwemeje yuko Uwarezwe yishyurwa 14.470.240 frw yavukijwe kubera Imikorere mibi idakwiye y’Uwajuriye,akishyurwa 53.492.448 Frw aturuka ku gihombo yatewe nuko Uwajuriye yamugurishirije ifumbire mu buryo butumvikanyweho,akanishyurwa 79 054 025 Frw aturuka ku gihombo yagize bitewe nuko Uwajuriye atamwishyuriye ingwate yari yafashe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye Uregwa, 31 159 115 Frw

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y’igihombo yatejwe kigatuma atabasha kwishyura imisoro , 15 000 000 Frw y’indishyi z’akababaro na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. Urukiko rwemeje yuko Uwajuriye yishyurwa nawe 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo Uwajuriye agomba kwishyura Urega kikaba 76 243 587 Frw. Uwajuriye yajuririye kino cyemezo bitewe n’impamvu enye (i) kuba Urukiko rutaritaye ku bimenyetso yatanze(ii), , kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye n’Uregwa(iii),kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw(iv) kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye Uregwa . Uregwa nawe yatanze ubujurire bwuririrye kubundi avuga ko (i) hari ibyo urukiko rutamuhaye mu byo yari yasabye nanagaragarizwe n’ impamvu,(ii) rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura Uwajuriye. Incamake y’icyemezo: 1. Mu gihe Uwajuriye nka Bank adahakana ko inyungu zagombaga kugenderwaho muri iriya nguzanyo ari 9 %,ariko ntabimenyeshe Uwagurijwe, Bank ntishobora guhindukira ivuga yuko hagenderwa ku masezerano ayibarira inyungu nyinshi, cyane ko Bank nk’umunyamwuga w’inzobere ifite inshingano zo kumenyeshaUwatse umwenda inyungu yari afite muri refinancement BNR (100%) kuko amafaranga yagombaga gukoreshwa atari ay’Uwajuriye nka Bank.

2. Kuba uregwa yaragiye asaba kwongererwa igihe , byatewe nuko ibyo yari ategereje mbere Banki itabimukoreye, ikaba rero itakwihisha inyuma y’amakosa yayo ivuga ko ubwo bukerererwe bwatewe n’Uregwa kandi ariyo yamushizeho amananiza, nta n’inyungu yari afite mu guhitamo umwikorezi umuhombya cyangwa gutinza ifumbire yagombaga kugemurira Leta byihutirwa. 3. kuba urukiko rubanza rwarafashe amafaranga yagurishijwe ifumbire rukayishyuza Uwajuriye uko yakabaye n’inyungu zayo, ntibyari bikwiye kuko ayo mafaranga ni ayagabanya umwenda w’Uregwa, akaba ari yo mpamvu agomba kuvanwa mu mwenda Uregwa yahawe na Bank aho kuyayishyuza.

4. Kuba Uwajuriye afite imyitwarire idakwiriye Bank, yarabereye Imbogamizi Uregwa, bigatuma atabasha kwishyura imyenda, nibisobanura yuko yamusimbura mu nshingano ze afitiye abandi. Ahubwo yagenerwa indishyi kubera igihombo yatejwe n’inyungu yavukijwe.

5. Nubwo uregwa akwiye indishyi z’akababaro yatewe kubera icyizere yataye mu bucuruzi, no guhungabanywa agahangayika, iyo Urukiko rwajuririwe rusanze yaragenewe indishyi z’ikirenga mu rwego rwa mbere, rurazigabanya mu bushishozi bwarwo.

6. Mu gufata icyemezo Urukiko rushingira kubyasabwe bifitiwe ibisobanuro,Kuba ibyasabwe n’uwajuriye bitarafatiwe icyemezo n’Urukiko , byatewe nuko atabashije kubitangira ibisobanuro.

7. Kuvuga yuko indishyi z’ikurikirana rubanza zidasobanutse, ntabwo byakwemerwa mu gihe uzaka koko yarakurikiranye urubanza mu gihe cy’imyaka umunani byumvikana yuko hari ibyo aba yatakaje.Iyo bigenze gutyo Urukiko mu bushishozi bwarwo Rurazigena.

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Muri runo rubanza Uwajuriye(ubujurire bw’uririye k’ubundi) yagenewe 1.000.000 frw, kuko ayo asaba ari ikirenga, akaba yiyongera kuri 2.000.000 frw yagenewe k’igihembo cya avoka ku rwego rwa mbere.

8. Mu gihe Bank itabuze uburyo bwo kwishyura ntihanabe n’impamvu yatuma hatekerezwa ko izabigiramo ubushake buke, ntabwo urukiko rwayitegeka astreinte ya 4.000.000 frw ku kwezi.

9. Uwarezwe yagombaga kwishyura Uwajuriye 200.000.000Frw, Uwajuriye nawe akishyura uwarezwe 62.558.535 frw. Ubujurire bwombi bufite ishingiro kuri bimwe; Urubanza rwajuririwe ruhindutse kuri bimwe; Amagarama y’Urubanza aherereye kuri bombi. Amategeko yashingiweho: Itegeko n° 18/2004 ryo kuwa 20/06/2004 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi nk’uko ryahinduwe kandi rikuzuzwa kugeza ubu, ingingo ya 201. Nta manza zashingiweho: Imikirize I. IMITERERE Y’URUBANZA: [1] Uru rubanza rukomoka ku masezerano y’umwenda ungana na 222.817.400 frw FINA BANK yahaye NTAGANDA Jean Baptiste amaze gutsindira isoko rya Leta ryo kugemura ifumbire mvaruganda, uwo mubare ukaba ugizwe n’umwenda wa 200.000.000 frw hamwe na 22.817.400 yishyuwe Leta ho ingwate kuri iryo soko. [2] Iyo nguzanyo Ntaganda yarayemerewe, ariko FINA BANK imusaba kwitangira 40.000.000 frw (provision ya 20 %), maze ayasaba COGEBANQUE nka découvert irayamuha. [3] Ari NTAGANDA ari na FINA BANQUE bose binubiye uburyo amasezerano adashyirwa mu bikorwa uko bikwiye, nibwo bombi baregeye Urukiko Rukuru rw’Ubucururuzi, Banki iregera kwishyurwa umwenda wa 176.703.558 frw y’umwenda n’inyungu zawo, naho NTAGANDA asaba ko iyo Banki imwishyura 303.100.135 frw y’igihombo yamuteje mu kutubahiriza amasezerano y’inguzanyo. [4] Urubanza rwaciwe ku wa 20/05/2009, rwemeza ko FINA BANK igomba

kwishyura Ntaganda amafaranga 14.470.240 frw yamuvukije kubera imikorere mibi yayo idakwiye Banki (Manque de professionalisme), 53.492.448 Frw aturuka ku gihombo NTAGANDA yatewe na Banki yamugurishirije ifumbire mu buryo butumvikanyweho, 79 054 025 Frw aturuka ku gihombo NTAGANDA yagize bitewe nuko Bank itamwishyuriye ingwate yari yafashwe muri COGEBANQUE, 1 550 434 Frw y’inyungu COGEBANQUE yaciye NTAGANDA, 31 159 115 Frw y’igihombo Banki yateje NTAGANDA kigatuma atabasha kwishyura imisoro , 15 000 000

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Frw y’indishyi z’akababaro (D.I) na 2 000 000 Frw y’igihembo cya Avoka, yose hamwe akaba 207 777 673Frw. [5] Urukiko rwategetse ko NTAGANDA nawe agomba kwishyura FINA BANK 38 218 608 Frw ajyanye na Crédit de décaissement na 93 315 478 Frw y’umwenda utishyuwe, yose hamwe akaba 131 534 086 Frw, bityo rero ikinyuranyo FINA BANK igomba kwishyura NTAGANDA kikaba 76 243 587 Frw. [6] FINA BANK yajuririye urwo rubanza, isobanura ko ibitewe n’impamvu enye zirimo kuba Urukiko rutaritaye ku bimenyetso yatanze, kuba rutaritaye ku masezerano yo ku wa 20/12/2001 yagiranye na NTAGANDA, kuba rwaremeje nta mpamvu ko yagize imyitwarire n’imigirire idakwiye banki nk’umunyamwuga bituma icibwa 207.777.673 frw, no kuba rwaranze nta mpamvu kuyibarira inyungu ku mwenda yahaye NTAGANDA. [7] NTAGANDA nawe yatanze ubujurire bwuririrye ku bwa FINA BANK avuga ko hari ibyo urukiko rutamuhaye mu byo yari yasabye kandi rutagaragaje impamvu, rumubarira mu buryo butari bwo umwenda usigaye agomba kwishyura FINA BANK. [8] Urubanza rwaburanishijwe mu ruhame ku wa 20/04/2010 no kuwa 27/08/2010, FINA BANK ihagarariwe na Me RUSANGANWA Jean Bosco, NTAGANDA Jean Baptiste yunganiwe na Me NKURUNZIZA François Xavier na Me ABAYO MUTABAZI Claude. II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA. A. Ubujurire bwa FINA BANK bukubiye mu ngingo zikurikira: a. Urukiko rwirengagije amasezerano yo ku wa 20/12/2002 aho bumvikanaga

na NTAGANDA ko inyungu zibarirwa ku 10 %. [9] FINA BANK ivuga ko Urukiko Rukuru rw’Ubucuruzi rutitaye ku masezerano y’ubwumvikane yo kuwa 20/12/2002 yerekeranye n’uburyo bwo kwishyura umwenda kandi yarangizaga impaka, kuko yagabanyaga inyungu zavuye kuri 18% zigashyirwa kuri 10% . FINA BANK ikaba ivuga ko ibona nta mpamvu Urukiko rwari kuyima inyungu ku mwenda yahaye NTAGANDA rugahitamo kumugenera indishyi rushingiye ku byabaye mbere y’ariya masezerano y’ubwumvikane. [10] Me NKURUNZIZA François Xavier uburanira NTAGANDA we asubiza ko urukiko rwagaragaje ko imyitwarire idakwiye Banki nk’umunyamwuga ariyo yatumye itagenerwa inyungu, runasobanura kandi ko kuba FINA BANK yarakoresheje ingwate ya 20% icyo itagombaga gukora , ikanavanga Crédit par Signature na Crédit de décaissement yari isanzwe, bituma nta nyungu NTAGANDA agomba kubazwa mbere y’itariki ya 18/12/2001 ari naho Credoc yishyuriweho; kandi ko urukiko rwagaragaje ko ifumbire NTAGANDA yari yaratumije yageze mu gihugu mbere y’uko credoc yishyurwa ku buryo bituma nta nyungu NTAGANDA agomba kwishyura. [11] Kuri iyo ngingo y’ubujurire , Urukiko rusanga mu gihe Banki idahakana ko inyungu zagombaga kugenderwaho muri iriya nguzanyo ari 9 %, kandi itari yarabimenyesheje

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NTAGANDA, itahindukira ngo ivuge ko hagenderwa ku masezerano amubarira inyungu ziremereye, cyane ko Bank nk’umunyamwuga w’inzobere yari ifite inshingano zo kumenyesha NTAGANDA inyungu yari afite muri refinancement BNR (100%) kuko amafaranga yagombaga gukoreshwa atari aya FINA BANK nk’uko n’umucamanza wa mbere yabibonye, ubujurire bwa FINA BANK kuri iyi ngingo rero bukaba nta shingiro bufite. b . Kuba ubukerererwe bwose bwabaye mu kurekura inguzanyo no kubona ifumbire byaraterwaga kandi binasabwa na NTAGANDA. [12] FINA BANK ivuga ko NTAGANDA yanditse ibaruwa asaba kongererwa igihe cya crédit documentaire, ibaruwa ye isaba ivanwaho ry’inguzanyo “crédoc” kuri toni 1.180 z’ifumbire, inyandiko (message suift) igaragaza ko FINA BANK yafunguye “credoc” ku gihe cyumvikanweho, amabaruwa anyuranye agaragaza icyatumye habaho kongera igihe cy’inguzanyo “crédoc” kandi bisabwe na NTAGANDA ubwe, ko ibyo byose byagaragazaga ko ibyakorwaga mu gusaba ko igihe cya “crédoc” cyongerwa byaturukaga kuri NTAGANDA, bitaturukaga kuri Banki. [13] NTAGANDA avuga ko gusaba kongererwa igihe cya credoc, guhindura umwikorezi w’ifumbire yabitewe n’amakosa menshi FINA BANK yamukoreye yatumye atinda kubona inguzanyo no gushyikiriza ifumbire mva ruganda Leta y’ U Rwanda ku gihe. [14] Muri ayo makosa ya FINA BANK , NTAGANDA avuga ko harimo kuba yaranze kumuha lettre de garantie yasabwaga na Leta kugirango ibone

kumuha avance ya 66.845.220 frw (30% ) y’isoko ry’ifumbire ryose yari yatsindiye, kuba yaratinze gutanga dosiye ye muri BNR kugirango ashobore gutumiza ifumbire ku buryo bwihuse, kubera ko ifumbire yagombaga kugera mu Rwanda mu minsi 45 gusa, kwanga umwikorezi yari yamaze kumvikana na we , kuba yaratinze kwishyura fournisseur wa NTAGANDA nta mpamvu kuko NTAGANDA yari yamaze kwishyura 20% yasabwaga, yashatse umwikorezi , ndetse yamaze no kubona umwishingizi w’ubwikorezi. [15] Ikigaragarira Urukiko kuri iyi ngingo ni uko, n’ubwo dosiye igaragaza ko NTAGANDA ubwe yagiye asaba kongererwa igihe, ibyo byatewe n’amaburakindi kuko yasabaga kongererwa igihe bitewe n’uko ibyo yari ategereje mbere Bank itabimukoreye, FINA BANK rero ikaba itakwihisha inyuma y’amakosa yayo ngo ivuge ko ubwo bukerererwe bwatewe na NTAGANDA, ahubwo NTAGANDA yashyizweho amananiza na Bank kuko nk’uko n’urukiko rubanza rwabibonye nta nyungu NTAGANDA yari afite mu guhitamo umwikorezi umuhombya cyangwa gutinza ifumbire yagombaga kugemurira Leta byihutirwa. c . Ku byerekeye amafaranga yagurishijwe ifumbire n’inyungu zayo [16] Kuri iyi ngingo FINA BANK ivuga ko bitumvikana kuba Urukiko rwarayishyuje amafaranga yagurishijwe ifumbire n’inyungu zayo kandi ayo mafaranga yarayafashe mu rwego rwo kwiyishyura umwenda yahaye NTAGANDA . [17] NTAGANDA we avuga ko amafaranga yavuye mu ifumbire FINA BANK yagurishije(103.000.000 frw) hamwe n’ayo Leta yamwishyuye (78.000.000 frw) yarengaga umwenda yari asigaje kwishyura FINA BANK ku buryo ahubwo ariyo yari gusigara imugomba amafaranga.

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[18] Urukiko rusanga, kuba urukiko rubanza rwarafashe amafaranga yagurishijwe ifumbire rukayishyuza FINA BANK uko yakabaye n’inyungu zayo, rwarirengagije ko ayo mafaranga yagiye kugabanya umwenda wa NTAGANDA, akaba ari yo mpamvu ayo mafaranga agomba kuvanwa mu mwenda NTAGANDA yahawe na Bank aho kuyayishyuza. d. Kuba FINA Bank yarategetswe kwishyurira NTAGANDA umwenda wa COGEBANQUE n’Imisoro ya RRA . [19] FINA BANK ivuga ko itagomba kwishyurira NTAGANDA umwenda yifatiye, ahubwo ko urukiko ruramutse rusanze hari icyo igomba kumwishyura cyaba kirebana n’ indishyi gusa. [20] Ku byerekeye umusoro NTAGANDA asaba kwishyurwa, FINA BANK ivuga ko atagomba gusoreshwa niba atarungutse, ariko niba yarungutse AKABA akwiye gusora. [21] Ku birebana n’umwenda wa COGEBANQUE, NTAGANDA we avuga ko amakosa FINA BANK yamukoreye yiyishyura ku mwenda udahuye byatumye ananirwa kwishyura COGEBANQUE bituma nayo imwishyuza imubarira inyungu zihanitse, ko rero FINA BANK igomba kwishyura uwo mwenda wose n’inyungu zawo. [22] Ku byerekeye umusoro, NTAGANDA we avuga ko nubwo atungutse yabitewe na BANK yacunze nabi inguzanyo yamuhaye, ariko nyamara yari yamaze kugaragaza marge bénéficiaire irenga 22.000.000 frw ku buryo RRA yagombaga kumusoresha byanze bikunze, ko rero FINA BANK ari yo yakwishyura umusoro kubera amakosa yayo. [23] Urukiko rurasanga , koko FINA BANK yarabereye imbogamizi NTAGANDA

igatuma atabasha kwishyura COGEBANQUE n’imisoro, ariko ikaba itasimbura NTAGANDA mu nshingano ze afitiye abandi, ahubwo, akaba, kubera igihombo yatejwe n’iyo Banki n’inyungu yavukijwe (perte de chance), yagenerwa indishyi. [24] Hashingiwe rero ku bimaze gusobanurwa, bigaragara ko FINABANK yagize imyitwarire idakwiye Banki, yatumye NTAGANDA agira igihombo anavutswa inyungu, mu buryo bunyuranye, haba mu gutuma ahendwa n’ubwikorezi bw’ifumbire, mu gutinda kwishyura COGEBANQUE n’imisoro no kutabona inyungu, yashoboraga kubona mu bucuruzi bw’ifumbire, akaba rero yabihererwa indishyi, zigenwe mu bushishozi bw’Urukiko, zingana na 10.000.000 frw. [25] Urukiko rurasanga kandi FINA BANK igomba gusubiza NTAGANDA amafaranga 11.985.248 frw, akomoka ku nyungu z’ikirenga yaciwe nkana ku nguzanyo, nk’uko yagenwe n’Urukiko Rukuru rw’ Ubucuruzi. e. Ku byerekeye indishyi z’akababaro zagenewe NTAGANDA. [26] FINA BANK ivuga ko nazo ari nyinshi, kubera ko urukiko rwagiye rugenera NTAGANDA izindi ndishyi zinyuranye kandi ko nta gihombo yagize nyuma y’ama sezerano y’ubwumvikane yo kuwa 20/12/2002 impande zombi zagiranye. [27] NTAGANDA we avuga ko FINA BANK igomba gucibwa indishyi z’akababaro kubera igihombo yamuteje bitari ngombwa, ikamurushya.

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[28] Urukiko rurasanga, n’ubwo NTAGANDA akwiye indishyi z’akababaro yatewe kubera icyizere yataye mu bucuruzi, no guhungabanywa agahangayika, yagenerwa , mu bushishozi bw’urukiko, 1.000.000 frw kuko rusanga 15.000.000 frw yagenewe ku rwego rwa mbere ari ikirenga. B . Ubujurire bwa NTAGANDA bwuririrye ku bwa FINA BANK 1.Kuba Urukiko ntacyo rwamushubije ku mafaranga yasabaga ajyanye n’ayo Leta yari yaramwishyuye kuri konti ye, ayagurishijwe cyamunara ifumbire na Fina Bank, na 30 .639.478 frw yageretsweho nk’umwenda, yose yatwawe na FINA BANK, kimwe n’andi 48.165.350 frw y’inkwi yishyuwe na Leta. [29] Ntaganda avuga ko aya mafaranga yose avuzwe haruguru atitaweho ngo akurwe muyo asabwa kwishyura FINA BANK. [30] FINA BANK ivuga ko amafaranga Leta yari yishyuye NTAGANDA n’ ayagurishijwe ifumbire yaje yishyura umwenda NTAGANDA yari ayifitiye, naho 30 .639.478 frw n’andi 48.165.350 avugwa ko yaburiwe irengero akaba avugiwe bwa mbere muri ubu bujurire mu Rukiko rw’Ikirenga. [31] Kuri iyi ngingo, Urukiko rurasanga koko FINA BANK yiyemerera ko amafaranga Leta yishyuye uko ari 77.986.000 frw yayakuye kuri konti ya NTAGANDA agabanya umwenda yari ayifitiye, kimwe n’ayo yagurishije ifumbire uko ari 56.000.000 frw nk’uko NTAGANDA yayagaragaje mu myanzuro ye mu Rukiko Rukuru rw’Ubucuruzi , bityo rero ayo mafaranga yose uko ari 133.986.000 frw akaba nayo yaragombaga gukurwa mu yo NTAGANDA

yishyuzwa. [32] Urukiko ariko rurasanga ayo mafaranga yose yafatiwe kwishyura umwenda wa NTAGANDA muri FINA BANK, atafatwa nk’umwenda FINA BANK ifitiye NTAGANDA ku buryo yawishyuzwa ngo iwubarirwe inyungu. [33] Naho kubyo NTAGANDA avuga ko FINA BANK imugomba 14.439.937 Frw avuga ko yajimijwe na FINA BANK ihereye ku mwenda wa 30.639.478 frw yamugerekagaho, kimwe n’andi 48.165.350 yaburiwe irengero muri FINA BANK, Urukiko rurasanga FINA BANK nta bisobanuro yabashije kubitangira , usibye kuvuga ko bitaburanywe mbere, kandi inyandiko y’iburanisha mu Rukiko rubanza, kimwe n’inyandiko y’imikirize y’urubanza bigaragaza ko byagiweho impaka.

2. Ku byerekeye amafaranga y’ikurikirana rubanza NTAGANDA asaba [34] NTAGANDA avuga ko yajurijwe n’uko urukiko rubanza rwemeje ko adakwiye kwishyuza indishyi z’ikurikirana rubanza kuko zidasobanutse, nyamara yari yaragaragaje ko urubanza rumaze imyaka umunani rukaba rwaramuteye guhomba rukanamutesha umutwe, kandi n’amafaranga agenda kuri dosiye akaba asobanutse kuko NTAGANDA ayitakarizaho igihe, akaba rero akwiye kuyishyurwa. [35] FINA BANK ivuga ko, usibye ko izo ndishyi zitanakwiye kuko zagenwe hirengagijwe ukuri, n’urugero zisabwamo ari ikirenga.

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[36] Urukiko rurasanga igisubizo NTAGANDA yahawe cy’uko indishyi z’ikurikirana rubanza yaka zidasobanutse kandi nk’uko abivuga yarakurikiranye urubanza mu gihe cy’imyaka umunani, kidahagije, kuko byumvikana ko hari ibyo yatakaje, Urukiko rukaba rwamugenera, mu bushishozi bwarwo 1.000.000 frw, kuko ayo asaba ari ikirenga, ayo agenewe rero akaba yiyongera kuri 2.000.000 frw yagenewe y’igihembo cya avoka ku rwego rwa mbere. [37] Ku kibazo cya astreinte ya 4.000.000 frw ku kwezi NTAGANDA yaka FINA BANK mu gihe yaba ikerewe kwishyura, Urukiko rurasanga atari ngombwa gutekeka ayo mafaranga y’igihano cy’ubukererwe kuko, ingingo ya 201 y’itegeko n° 18/2004 ryo kuwa 20/06/2004 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi nk’uko ryahinduwe kandi rikuzuzwa kugeza ubu, iha umucamanza kureba niba gikwiye, ku byerekeye FINA BANK, bikaba bigaragara ko ari Banki itabuze uburyo bwo kwishyura, kandi nta n’impamvu yatuma hatekerezwa ko izabigiramo ubushake buke. [38] Mu kwanzura, Urukiko rurasanga FINA BANK na NTAGANDA bagomba kwishyurana muri ubu buryo: Amafaranga agomba kugabanya umwenda wa NTAGANDA: - 40.000.000 frw yavuye muri COGEBANQUE - 77.986.000 frw yishyuwe na DRB II - 56.000.000 frw yagurishijwe ifumbire cyamunara - 14.439.937 frw yaburiye muri FINA BANK kuri compte ya NTAGANDA - 48.165.350 frw yari yishyuwe na Leta kuri konti ya

NTAGANDA - 11.985.248 frw, akomoka ku nyungu z’ikirenga yaciwe na FINA BANK - 10.000.000 frw y’indishyi z’ibyo NTAGANDA yahombejwe n’inyungu yavukijwe - 1.000.000 frw y’indishyi z’akababaro - 1.000.000 frw y’ikurikiranarubanza - 2.000.000 frw y,igihembo cya avoka. Total: 262.558.353 frw Kubera ko NTAGANDA nawe yagombaga kwishyura FINA BANK 200.000.000 frw, ubwo FINA BANK niyo isigara igomba kwishyura NTAGANDA 62.558.535 frw. III . ICYEMEZO CY’URUKIKO [39] RWEMEYE kwakira ubujurire rwashyikirijwe na FINA BANK kuko bwaje mu buryo no mu nzira bikurikije amategeko; [40] RWEMEYE kwakira ubujurire bwuririye ku bundi bwa NTAGANDA Jean Baptiste kuko bwaje mu nzira no mu buryo byemewe n’amategeko; [41] RWEMEJE ko ubwo bujurire bwombi bufite ishingiro kuri bimwe; [42] RUTEGETSE FINA BANK kwishyura NTAGANDA Jean Baptiste hamaze gukorwa ihwanywa ry’imyenda, amafaranga 62.558.535 frw mu gihe cy’iminsi mirongo itatu, itayatanga agakurwa mu byayo ku ngufu za Leta, ikanayatangira 2.502.341 frw y’umusogongero wa Leta wa 4%, itayatanga mu gihe cy’iminsi 15, agakurwa mu byayo ku ngufu za Leta.

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[43] RUVUZE ko urubanza rwaciwe n’Urukiko Rukuru rw’Ubucuruzi ruhindutse ku bijyanye n’indishyi . [44] RUTEGETSE FINA BANK na NTAGANDA kwishyura buri wese icya ½ cy’amagarama y‘urubanza ahwanye na 127.300 frw, itayatanga mu gihe cy’iminsi umunani ayo mafaranga agakurwa mu bye ku ngufu za Leta .