HOME BASKET SACCO KIMIRONKO v. MWISENEZA N ABANDI

# HOME BASKET SACCO KIMIRONKO v. MWISENEZA N ABANDI

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-04-14 - Case/document no.: RCOMA 00001/2023/CA ( - Collection: Court of Appeal

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HOME BASKET SACCO KIMIRONKO v. MWISENEZA N ABANDI [Rwanda URUKIKO RW UBUJURIRE – RCOMA 00001/2023/CA (Kamere, P.J.,) 14 Mata 2023] Amategeko agenga imiburanishirize y imanza z ubucuruzi – Ikirego cyihutirwa – Gusubirishamo urubanza ingingo nshya – Kuba itegeko riteganya ko gusubirishamo urubanza ingingo nshya bihagarika irangizwa ryarwo gusa iyo bitegetswe n’Urukiko ntibivuze ko umuburanyi wese usabye ko imikirize y’urubanza rwaregewe gusubirishwamo ingingo nshya agomba guhita abyemererwa. Ubisabye aba anagomba kongeraho kubitangira ibimenyetso bikomeye kandi byumvikanisha bihagije icyihutirwa kandi cyatera igihombo kidasubirwaho urwo rubanza rusubirishwamo ruramutse rudahagarikiwe by’agateganyo kurangizwa – Itegeko N° 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 175. Incamake y ikibazo: Mwiseneza Maurice, Munyaneza Aimable na Niringiyimana Béatrice ni abana ba Munyaneza Augustin wigeze kuba Perezida w’Inama y’Ubutegetsi ya HOME BASKET SACCO KIMIRONKO, akaba yarafashemo inguzanyo muri mu mazina yaba bana be ariko ntiyayishyura nk’uko byemejwe n’urubanza, bikaba byarabaye intandaro yo kuba baranditsweho uwo mwenda wafashwe n’umubyeyi wabo mu buryo bushobora kubagiraho ingaruka zitandukanye nk’abantu batishyura inguzanyo bahawe. Aba bana ba Munyaneza bandikiye ubuyobozi bwa banki kugira ngo ibavane muri CRB ntiyabikora bituma bayirega mu Rukiko rw Ubucuruzi basaba kyivanwamo, basaba n’indishyi zinyuranye. HOME BASKET SACCO KIMIRONKO yireguye ivuga ko ikirego nta shingiro gifite, isobanura ko ibyo Mwiseneza Maurice, Munyaneza Aimable na Niringiyimana Béatrice basaba bagombye kubisaba umubyeyi wabo Munyaneza Augustin kuko ari we wasabye inguzanyo mu mazina yabo yambura SACCO mu izina ryabo bituma bashyirwa muri CRB. HOME BASKET SACCO KIMIRONKO yakomeje isobanura ko Munyaneza Augustin amaze gutahurwa ko ari we wahimbye uwo mwenda yabihaniwe mu rubanza nshinjabyaha, bityo ngo abana bakaba bagombye kurwifashisha bagasaba ko bakurwa muri CRB. Urukiko rw’Ubucuruzi rwaciye urubanza maze rwemeza ko ikirego cya Mwiseneza Maurice, Niringiyimana Béatrice na Munyaneza Aimable gifite ishingiro, maze rutegeka banki kubakura muri CRB kuko nta mwenda bayifitiye, no kubishyura buri wese 3.000.000 Frw y’indishyi z’akababaro kubera gushyirwa kuvutswa amahirwe yo gukorana n’ibigo by’imari. HOME BASKET SACCO KIMIRONKO ntiyishimiye iki cyemezo, maze ikijuririra mu Rukiko Rukuru rw’Ubucuruzi, isaba urukiko gusuzuma niba mu rubanza rujuririwe rwarezwemo banki haragombaga kuregwa abahamijwe ibyaha mu rubanza nshinjabyaha. Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza maze rwemeza ko ubujurire bwa banki nta shingiro bufite, bityo ko imikirize y’urubanza rwaciwe n Urukiko rw Ubucuruzi idahindutse.

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HOME BASKET SACCO KIMIRONKO yongeye kuregera Urukiko Rukuru rw’Ubucuruzi isaba gusubirishamo ingingo nshya, yongera itanga kandi muri urwo Rukiko ikirego cyihutirwa gisaba guhagarika by’agateganyo irangizwa ry’Urubanza rwaciwe n’ Urukiko Rukuru rw’ Ubucuruzi mu gihe hagitegerejwe icyemezo ndakuka kizafatwa ku rubanza remezo RSA/REV/RCOM 00002/2023/HCC rwo kurusubirishamo ingingo nshya. Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza maze rwemeza ko ikirego cyihutirwa cya banki nta shingiro gifite. Urukiko kandi mu gusobanura impamvu z’icyo cyemezo rwavuze ko ibivugwa na banki by’uko urubanza ruramutse rudahagarikiwe irangizwa nyuma rukazavanwaho mu icibwa mu mizi ry’urubanza rw’iremezo abaregwa batazabona ubushobozi bwo gusubiza amafaranga bishyuwe mu irangiza ry’urwo rubanza nta shingiro bifite kuko uretse kubivuga gutyo gusa nta kimenyetso byagaragarijwe. HOME BASKET SACCO KIMIRONKO yajuririye mu Rukiko rw’Ubujurire inenga kuba Urukiko Rukuru rw’Ubucuruzi rutarahaye ishingiro impamvu zihutirwa rwashyikirijwe, abaregwa nabo bisobanura bavuga ko Urukiko Rukuru rw’Ubucuruzi rutahaye ishingiro ikirego cyihutirwa cyayo ku mpamvu zasobanuwe mu rubanza mu buryo bwumvikana. Mwiseneza Maurice, Munyaneza Aimable na Niringiyimana Beatrice bahuriza hamwe basaba urukiko kwemeza ko ubujurire butahabwa ishingiro, bityo ko icyemezo cy’Urukiko Rukuru rw’Ubucuruzi kigomba kugumana agaciro kacyo. Incamake y icyemezo: Kuba itegeko riteganya ko gusubirishamo urubanza ingingo nshya bihagarika irangizwa ryarwo gusa iyo bitegetswe n’Urukiko ntibivuze ko umuburanyi wese usabye ko imikirize y’urubanza rwaregewe gusubirishwamo ingingo nshya agomba guhita abyemererwa. Ubisabye aba anagomba kongeraho kubitangira ibimenyetso bikomeye kandi byumvikanisha bihagije icyihutirwa kandi cyatera igihombo kidasubirwaho urwo rubanza rusubirishwamo ruramutse rudahagarikiwe by’agateganyo kurangizwa. Ubujurire nta shingiro. Amagarama y’urubanza ahwanye n’ ibyarukozwemo. Amategeko yashingiweho: Itegeko N° 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 175. Nta manza zifashishijwe. Urubanza

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I.IMITERERE Y URUBANZA [1] Mwiseneza Maurice, Munyaneza Aimable na Niringiyimana Béatrice ni abana ba Munyaneza Augustin wigeze kuba Perezida w’inama y’ubutegetsi ya HOME BASKET SACCO KIMIRONKO, akaba yarafashe inguzanyo muri HOME BASKET SACCO KIMIRONKO ariko ntiyayishyura nk’uko byemejwe n’urubanza RCOM 0290/15/TC/NYGE rwaciwe ku wa 07/10/2015. Ibi byabaye intandaro yo kuba muri CRB Mwiseneza Maurice, Munyaneza Aimable na Niringiyimana Béatrice baranditsweho uwo mwenda wafashwe n’umubyeyi wabo mu buryo bushobora kubagiraho ingaruka zitandukanye nk’abantu batishyura inguzanyo bahawe. [2] Ku wa 15/06/2020 Mwiseneza Maurice, Munyaneza Aimable na Niringiyimana Béatrice bandikiye ubuyobozi bwa HOME BASKET SACCO KIMIRONKO kugira ngo ibavane muri CRB ntiyabikora maze biba intandaro y’urubanza RCOM 00636/2021/TC barezemo HOME BASKET SACCO KIMIRONKO basaba kuvanwa muri CRB n’indishyi zinyuranye. [3] HOME BASKET SACCO KIMIRONKO yireguye ivuga ko ikirego nta shingiro gifite, isobanura ko ibyo Mwiseneza Maurice, Munyaneza Aimable na Niringiyimana Béatrice basaba bagombye kubisaba se MUNYANEZA Augustin kuko ari we wasabye inguzanyo mu mazina yabo yambura SACCO mu izina ryabo bituma bashyirwa muri CRB. HOME BASKET SACCO KIMIRONKO yakomeje isobanura ko Munyaneza Augustin amaze gutahurwa ko ari we wahimbye uwo mwenda yabihaniwe mu rubanza RP URUBANZA RCOMA 00001/2023/CA Urupapuro rwa 8 0593/15/TGI/GSBO, bityo ngo abana bakaba bagombye kurwifashisha bagasaba ko bakurwa muri CRB. HOME BASKET SACCO yasabye kandi guhabwa indishyi z’ikurikiranarubanza n’igihembo cya Avoka. [4] Ku wa 15/11/2021, Urukiko rw’Ubucuruzi rwaciye urubanza RCOM 00636/2021/TC, rwemeza ko ikirego cya Mwiseneza Maurice, Niringiyimana Béatrice na Munyaneza Aimable gifite ishingiro. Rutegeka HOME BASKET SACCO KIMIRONKO gukura Mwiseneza Maurice, Niringiyimana Béatrice na Munyaneza Aimable muri CRB kuko nta mwenda bayifitiye, no kubishyura buri wese 3.000.000 Frw y’indishyi z’akababaro kubera gushyirwa muri CRB no kuvutswa amahirwe yo gukorana n’ibigo by’imari. Rwategetse kandi HOME BASKET SACCO KIMIRONKO kubishyura 300.000Frw y’ikurikiranarubanza na 1.000.000Frw y’igihembo cya Avoka. [5] HOME BASKET SACCO KIMIRONKO ntiyishimiye iki cyemezo, ikijuririra mu Rukiko Rukuru rw’Ubucuruzi, kubera impamvu zikurikira: gusuzuma niba mu rubanza rujuririwe rwarezwemo HOME BASKET SACCO KIMIRONKO haragombaga kuregwa abahamijwe ibyaha mu rubanza RP 0593/15/TGI/GBO n’Urubanza RPA 00884/2017/HC/KIG, gusuzuma ubusabe bwa HOME BASKET SACCO KIMIRONKO bwo gukurwaho indishyi zose yategetswe kwishyura abareze mu rubanza RCOM 00636/2021/TC no gusuzuma ishingiro ryo kugobokesha Munyaneza Augustin mu rubanza. [6] Ku wa 25/11/2022, Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza RCOMA 00817/2021/HCC rwemeza ko ubujurire bwa HOME BASKET SACCO KIMIRONKO nta

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shingiro bufite, ko imikirize y’urubanza RCOM 00636/2021/TC rwaciwe n’Urukiko rw’Ubucuruzi ku wa 15/11/2021 idahindutse. [7] HOME BASKET SACCO KIMIRONKO yongeye kuregera Urukiko Rukuru rw’Ubucuruzi ikirego cyahawe nimero RSA/REV/RCOM 00002/2023/HCC isaba gusubirishamo ingingo nshya urubanza RCOMA 00817/2021/HCC rwaciwe ku wa 25/11/2022. HOME BASKET SACCO KIMIRONKO yatanze kandi muri urwo Rukiko ikirego cyihutirwa cyahawe nimero URUBANZA RCOMA 00001/2023/CA Urupapuro rwa 8 RCOMA 00068/2023/HCC isaba guhagarika by’agateganyo irangizwa ry’Urubanza RCOMA 00817/2021/HCC rwo ku wa 25/11/2022 mu gihe hagitegerejwe icyemezo ndakuka kizafatwa ku rubanza remezo RSA/REV/RCOM 00002/2023/HCC rwo kurusubirishamo ingingo nshya. [8] Nyuma yo gusuzuma ikibazo cyo kumenya niba hari impamvu ituma habaho guhagarika by’agateganyo irangiza ry’urubanza RCOMA 00817/2021/HCC, ku wa 21/02/2023, Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza RCOMA 00068/2023/HCC, rwemeza ko ikirego cyihutirwa cya HOME BASKET SACCO KIMIRONKO nta shingiro gifite kandi ko amafaranga yatanzeho amagarama y’urubanza ahera mu Isanduku ya Leta. Urukiko kandi mu gusobanura impamvu z’icyo cyemezo rwavuze ko ibivugwa na HOME BASKET SACCO KIMIRONKO by’uko ngo urubanza ruramutse rudahagarikiwe irangizwa nyuma rukazavanwaho mu icibwa mu mizi ry’urubanza rw’iremezo abaregwa batazabona ubushobozi bwo gusubiza amafaranga bishyuwe mu irangiza ry’urwo rubanza nta shingiro bifite kuko uretse kubivuga gutyo gusa nta kimenyetso byagaragarijwe. [9] HOME BASKET SACCO KIMIRONKO yajuririye iyi mikirize y’urubanza, inenga kuba ngo Urukiko Rukuru rw’Ubucuruzi rutarahaye ishingiro impamvu zihutirwa rwashyikirijwe ku buryo ngo n’ibyagiye bigaragazwa n’Urukiko bishobora kubangamira imikirize y’ikirego remezo. Abaregwa bo bavuga ko Urukiko Rukuru rw’Ubucuruzi rutahaye ishingiro ikirego cyihutirwa cya HOME BASKET SACCO KIMIRONKO ku mpamvu zasobanuwe mu rubanza mu buryo bwumvikana. Ikirego cy’ubujurire muri uru Rukiko rw’Ubujurire cyanditswe kuri RCOMA 00001/2023/CA. [10] Iburanisha ry’urubanza mu ruhame ryashyizwe ku wa 03/04/2023, ntirwaburanishwa kuko Me Karake Canisius wunganira abaregwa atabonetse, ryimurirwa ku wa 06/04/2023. Uwo munsi ruburanishwa HOME BASKET SACCO KIMIRONKO ihagarariwe na Nkundizera Bertin, umuyobozi w’inama y’ubutegetsi yayo, yunganiwe na Me Rukarishya N. Philemon, Munyaneza Aimable ahagarariwe na Me Karake Canisius akanunganira Mwiseneza Maurice na Niringiyimana Béatrice. Urukiko rwayoboye iburanisha ku gusuzuma niba hari inenge mu mikirize y’urubanza rwajuririwe ku cyemezo cy’Urukiko ku kibazo cyo kumenya niba hari impamvu zihutirwa zari gutuma ruhagarika by’agateganyo irangizwa ry’urubanza RCOMA 00817/2021/HCC rwo ku wa 25/11/2022. Isomwa ry’urubanza mu ruhame ryashyizwe ku wa 14/04/2023, ari na cyo gihe rusomeweho. II. IKIBAZO KIGIZE URU RUBANZA N’ISESENGURA RYACYO

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Gusuzuma niba hari impamvu zihutirwa kandi zikomeye zari gutuma urubanza RCOMA 00817/2021/HCC rwo ku wa 25/11/2022 ruhagarikirwa by’agateganyo kurangizwa ariko zikaba zarirengagijwe n’Urukiko Rukuru rw’Ubucuruzi. [11] HOME BASKET SACCO KIMIRONKO inenga ko mu rubanza rwajuririwe, ku rupapuro rwa 6, igika cya 17, ibyagaragajwe n’Urukiko mu isesengura rwavuze ko rushingira ku biteganywa n’ingingo ya 173 y’Itegeko CPCCSA, nyamara ruza kwivuguruza mu cyemezo rwafashe, kandi mu gihe habonetse impamvu zihutirwa, nta mpamvu Urukiko rutagomba guhagarika byagateganyo irangizwa ry’urubanza rwasabiwe gusubirishwamo ingingo nshya. [12] Ivuga ko indi nenge ari aho mu gika cya 18 Urukiko rwagaragaje ko impungenge za HOME BASKET SACCO KIMIRONKO zo gutinya ko byazagorana gusubiza amafaranga y’ikigo cy’imari iciriritse yahawe Munyaneza Aimable, Mwiseneza Maurice na Niringiyimana Beatrice zitagomba kubaho, ibi ngo bikaba atari byo kuko ntacyagaragajwe ko yazaboneka. [13] Ababuranira HOME BASKET SACCO KIMIRONKO basobanura ko yareze kugira ngo ibyo kurangiza urubanza bihagarare ku mafaranga y’abaturage, ko mu mikorere ya SACCO iba iyabacungira, ko yakoreshejwe nabi na se w’abaregwa wari Perezida w’Inama y’Ubutegetsi wayo. Ivuga kandi ko ifite urubanza yaburanyemo n’umubyeyi w’abaregwa witwa Munyaneza Augustin na bagenzi be, agategekwa hamwe na bagenzi be kwishyura akayabo ka 85.000 000 Frw, nyuma akaza gutoroka ubutabera, akikuraho imitungo, kugeza n’ubu hakaba harabuze icyo barangizaho urubanza, ko n’abana be baregwa batanagaragaza imyirondoro yabo (ID zabo) n’imitungo (UPI) yazavamo ubwishyu mu gihe batsinzwe, kandi se yarafashe umwenda yiyitirira abo bana. [14] Mwiseneza Maurice, Munyaneza Aimable na Niringiyimana Beatrice bunganiwe na Me Canisius Karake bahuriza hamwe mu gusaba ko ubu bujurire nta shingiro bufite, ko icyemezo cy’Urukiko Rukuru rw’Ubucuruzi kigomba kugumana agaciro kacyo. [15] Ku mpamvu zihutirwa HOME BASKET SACCO KIMIRONKO yaba ishingiraho iki kibazo, bemeza ko itazivuga uretse kuvuga ingingo z’amategeko ziteganya ikibazo nk’icyongicyo kandi Urukiko uretse no kuba rwarabonye izo ngingo rusanzwe runazizi rukaba rufite ubwisanzure mu kuzikoresha ku kibazo rwashyikirijwe rukurikije n’imvugo z’ababuranyi, uko rwabibonye rugafata icyemezo bikaba nta makemwa abirimo. Bavuga kandi ko aria bantu bafite aho babarizwa hazwi neza kuko batanga ikirego, bagaragaje imyirondoro yabo na ID, kandi ko ari na yo HOME BASKET SACCO KIMIRONKO yashingiyeho ibashyirisha ku rutonde rwa CRB. [16] Bavuga kandi ko HOME BASKET SACCO KIMIRONKO izana mu rubanza iby’izindi manza zabahuje mbere n’ibindi by’amarangamutima, kandi ko yemera ko nta mwenda bayifitiye, ko umuhesha w’inkiko wabo yagiye muri CRB ikamubwira ko SACCO ibishatse yabavanamo, ko urubanza rubitegeka rwabaye itegeko ariko bakaba bakomeje kubuzwa uburenganzira bwo kwaka inguzanyo mu mabanki. Bongeraho ko basanga bigayitse cyane ko abantu bagombye kuba biyubashye nka HOME BASKET SACCO KIMIRONKO, bagombye kubera abandi bantu intangarugero, ari bo bapfobya uburenganzira bw’abantu, bagahora abana ibitaratunganyijwe n’ababyeyi babo kugeza n’ubwo mu bujurire nk’ubungubu bw’ikirego cyihutirwa ibitanga nk’impamvu kandi izi neza ko ntacyo byayimarira muri icyo kirego.

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[17] Me Karake Canisius avuga ko bibabaje kuba abo baburana bashaka kuburana aha imanza bamaze kuburana, kandi nta n’impamvu za référé (ikirego cyihutirwa) zihari, nta n’ikosa Umucamanza yakoze mu gika cya 11, aho bavuga ko nta kigaragaza aho ubwishyu bwakomoka, kuko mu mategeko y’u Rwanda ntaho yemeza ko abenegihugu baburana babanje gutanga ingwate, ko n’iyo bibaye ngombwa ko hasabwa ingwate, abanyamahanga gusa ari bo bayisabwa. Avuga kandi ko niba HOME BASKET SACCO KIMIRONKO yaraburanye na se w’abaregwa ku byaha yahamijwe, abana be batabizira nk’icyaha cy’inkomoko. Agasoza avuga ko urubanza rujuririrwa nta nenge rufite, ko nta n’impamvu yihutirwa yatuma abaregwa badakurwa ku rutonde rwa CRB, agasaba Urukiko kuzemeza ko urubanza rwajuririwe rwaciwe hakurikijwe amategeko. UKO URUKIKO RUBIBONA [18] Ingingo ya 173 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: “Gusubirishamo urubanza ingingo nshya ntibirubuza kurangizwa, keretse iyo iryo rangizwa ryahagaritswe n’Urukiko rwaregewe gusubirishamo urubanza ingingo nshya”. Ingingo ya 3 y’Itegeko N° 15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo (J.O no spécial du 19/07/2004) iteganya ibikurikira: “Buri muburanyi agomba kugaragaza ukuri kw’ibyo aburana”. [19] Dosiye y’Urubanza mu miterere yayo, igaragaza ko abaregwa ari bo baregeye Urukiko rw’Ubucuruzi mu rubanza RCOM 00636/2021/TC basaba Urukiko kwemeza ko nta mwenda bafitiye HOME BASKET SACCO KIMIRONKO, kuyitegeka ko ibakura ku rutonde rwa ba bihemu muri CRB ikabaha n’indishyi. Urukiko rw’Ubucuruzi rwaciye urubanza ku wa 15/11/2021, rwemeza ko Home Basket Sacco Kimironko ikura Mwiseneza Maurice, Niringiyimana Béatrice na Munyaneza Aimable muri CRB no kubaha indishyi zose hamwe zigera kuri 10.300.000Frw. HOME BASKET SACCO KIMIRONKO yajuririye urwo rubanza ariko ubujurire bwayo ntibwahabwa ishingiro, Urukiko Rukuru rw’Ubucuruzi rushimangira iyi mikirize y’urubanza rwaciwe n’Urukiko rw’Ubucuruzi, ndetse ku mafaranga HOME BASKET SACCO KIMIRONKO yaciwe ku rwego rwa mbere hiyongeraho andi 600.000 Frw yo mu bujurire. Iki cyemezo cy’Urukiko kikaba ari cyo cyasabiwe guhagarikirwa by’agateganyo irangizwa mu gihe hataracibwa urubanza rwaregewemo ko gisubirishwamo ingingo nshya. [20] Urukiko rw’Ubujurire rurasanga Urukiko Rukuru rw’Ubucuruzi rutarahaye ishingiro ikirego cyihutirwa cya HOME BASKET SACCO KIMIRONKO cyavuzwe haruguru nyuma yo gusuzuma impungenge za HOME BASKET SACCO KIMIRONKO z’uko urubanza rwasubirishijwemo ingingo nshya ruramutse rukuweho n’urubanza remezo kandi rwaramaze kurangizwa, gusubiza amafaranga avugwa mu cyemezo cy’Urukiko muri urwo rubanza byazagorana, bikazashora HOME BASKET SACCO KIMIRONKO mu manza zidashira. Urukiko Rukuru rwasobanuye ko rudahaye ishingiro izo mpungenge za Home Basket SACCO Kimironko kuko uretse kubivuga gusa urega atagaragaje ko abaregwa baba nta bushobozi bafite bwo kuba bazishyura ayo mafaranga mu gihe baramuka batsinzwe urwo rubanza, kandi ko Urukiko rutagendera gusa ku magambo yo gukeka ibitatangiwe ibimenyetso.

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[21] Uru Rukiko rurasanga nta bimenyetso by’ikiregerwa byatanzwe na HOME BASKET SACCO KIMIRONKO ngo bifatwe nk’aho byirengagijwe n’Urukiko rwaciye urubanza rujuririrwa, kandi no muri ubu bujurire nta bindi bimenyetso bishyigikira ibisabwa HOME BASKET SACCO KIMIRONKO yigeze igaragariza Urukiko. Kudaha ishingiro ibisabwa na HOME BASKET SACCO KIMIRONKO ku rwego rubanza no kuri uru rwego rw’ubujurire nta na hamwe binyuranyije n’ibiteganywa n’ingingo ya 175 igika cya 1 y’Itegeko N° 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi yibukijwe haruguru, kuko kuba iyo ngingo iteganya ko gusubirishamo urubanza ingingo nshya bihagarika irangizwa ryarwo gusa iyo bitegetswe n’Urukiko bitavuze ko umuburanyi wese usabye ko imikirize y’urubanza rwaregewe gusubirishwamo ingingo nshya agomba guhita abyemererwa. Ubisabye aba anagomba kongeraho kubitangira ibimenyetso bikomeye kandi byumvikanisha bihagije icyihutirwa kandi cyatera igihombo kidasubirwaho urwo rubanza rusubirishwamo ruramutse rudahagarikiwe by’agateganyo kurangizwa. [22] Urukiko rw’Ubujurire, rushingiye ku biteganywa n’ingingo ya 3 y’Itegeko N° 15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, rurasanga uretse no kuba HOME BASKET SACCO KIMIRONKO itarashoboye kugaragariza Urukiko Rukuru rw’Ubucuruzi ibimenyetso by’ibyo iregera, ikaba nta n’ibyo yagaragaje muri ubu bujurire byerekeranye n’amafaranga yatsindiwe, nta n’impamvu zihutirwa yigeze igaragaza ku kuba hari icyo yifuza kuramira mu guhagarikisha by’agateganyo irangizwa ry’urwo rubanza ku bindi yategetswe birebana no kwandukuza abaregwa ku rutonde rwa ba bihemu muri CRB. Bityo Home Basket SACCO Kimironko ikaba ikomeza gutsindwa no kubura ibimenyetso binyuze Urukiko ku ishingiro ry’ibyo iregera, imikirize y’urubanza rwajuririwe ikaba igomba kugumaho. III. ICYEMEZO CY’URUKIKO [23] Rwemeje ko ubujurire bwatanzwe na HOME BASKET SACCO KIMIRONKO nta shingiro bufite; [24] Rwemeje ko imikirize y’urubanza RCOMA 00068/2023/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi ku wa 21/02/2023 igumaho mu ngingo zarwo zose; [25] Ruvuze ko amagarama y’urubanza yatanzwe na HOME BASKET SACCO KIMIRONKO ahwanye n’ibyarukozwemo.