KAYIJUKA v. I&M BANK

# KAYIJUKA v. I&M BANK

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2014-06-12 - Case/document no.: RCOMA 0202/14/HCC - Collection: Commercial High Court

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KAYIJUKA v. I&M BANK [Rwanda URUKIKO RUKURU RW’UBUCURUZI – RCOMA 0202/14/HCC (Kadigwa Gashongore, P.J., ) 12/06/2014] Amategeko agenga imiburanishirize y’imanza z’imbonezamubano – Kwakira ikirego – Ikirego kigamije kwemeza umwanzuro w’inama rusange ya sosiyete – Ibyemezo byafashwe n’Inama rusange ya sosiyete, bigafatwa hakurikijwe amategeko ubwabyo biba bifite agaciro – Kuba ibibazo umuburanyi yavugaga ko ashaka kwirinda byari bitaravuka kandi inyungu igomba kuba igaragara ku munsi wo gutanga ikirego,ikaba yavutse kandi iriho, ibyo bikaba bivanaho inyungu zitarabaho cyangwa zishidikanwaho, Itegeko nº 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 2 Incamake y’ikibazo: I&M BANK yatanze ikirego mu Rukiko rw’Ubucuruzi rwa Nyarugenge isaba yuko rwakwemeza umwanzuro wafashwe n’Inama rusange, wemeza ko KABUGA Felicien, MANYENZI Vincent na KAYIJUKA Tassien bakurwa mu banyamigabane ba I&M BANK, ishingiye yukobari bamaze igihe kinini batitabira ibikorwa byayo kandi ubushinjacyaha bukaba bwarafatiriye iyo migabane buvuga ko bubakeka ho icyaha cya genocide yakorewe abatutsi muri 1994, ibyo bikaba bibatera isura mbi. Uru rukiko rukiko rwemeje ko icyemezo cyafashwe na I&M BANK gifite ishingiro, rutegeka ko Kayijuka Tassien avanwa mu banyamigabane ba I&M BANK. Kayijuka yajuririye mu Rukiko Rukuru rw’Ubucuruzi, maze uru rukiko rwafashe icyemezo cyo kubanza gusuzuma niba ikirego cyatanzwe na I&M BANK gisaba ko icyemezo gisaba yuko Kayijuka yakurwa mu banyamigabane cyaragombaga kwakirwa. Uburanira I&M BANK yabajijwe impanvu yamuteye kuregera urukiko kandi ubusanzwe iyo ibyemezo by’inama rusange ya sosiyete bifashwe hakurikijwe amategeko biba bifite agaciro, avuga ko icyabiteye n’uko imigabane ya Kayijuka yafatiriwe n’ubushinjacyaha kandi uyu akaba yarandikiye I&M BANK ayamagana.Uburanira Kayijuka avuga ko ibyo I&M BANK yakoze binyuranije n’amategeko kuko nta mpanvu n’imwe abona yatuma I&M BANK yagombaga gushyikiriza urukiko ikirego,kandi ko nta fatira iryo ariryo ryose ryashobokaga gukorwa nta cyemezo cy’urukiko. Nyuma y’isesengura uru rukiko rusanga ko nta nyungu yo kurega I&M BANK yari yakagize. Uhagarariye I&M BANK avuga ko inyungu ifite yo gusaba ko Kayijuka yakwirukanwa nk’umunyamigabane ari uko yayandikiye yamagana icyemezo cy’inama rusange kandi ubushinjacyaha bukaba bwarafatiriye imigabane ye. Bigaragara ko I&M BANK yari ifite impungenge z’uko icyo cyemezo cyashoboraga kuzayiteza ibibazo ariko ntigaragaze ko ibyo bibazo yabigize. Incamake y’icyemezo: 1.Kuba I&M BANK yari ifite impungenge z’uko icyemezo cyo kwirukana abanyamigabane muri sosiyete amaherezo cyashoboraga kuzayiteza ibibazo, ariko kugeza ubwo yatangaga ikirego ntigaragaza ko ibyo bibazo yabigize, bigaragara ko nta nyungu yo kurega I&M BANK yari yakagira. Bityo ikirego cyo nticyagombaga kwakirwa. Nta nyungu I&M BANK yari ifite zo kurega;

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Ikirego cyatanzwe nticyagombaga kwakirwa guhera ku rwego rwa mbere; Amagarama y’urubana aherereye kuwarezwe. Amategeko yifashishijwe: Itegeko nº 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 2 Nta manza zifashishijwe: Urubanza UKO URUBANZA RUTEYE MU NCAMACYE [1] I&M BANK imaze gufata umwanzuro uvuzwe haruguru mu kiregerwa, yashyikirije Urukiko rw’Ubucuruzi rwa Nyarugenge ikirego gisaba kwemeza uwo mwanzuro. Impamvu iyo banki yashingiyeho ikirego cyayo nuko abanyamigabane bavuzwe haruguru ngo bamaze igihe kinini batitabira ibikorwa byayo, ubushinjacyaha bwafatiriye iyo migabane bubakekaho ibyaha bya jenoside yakorewe abatutsi muri 1994, ibyo ngo bikaba kandi byayiteraga isura mbi.Urukiko rwemeje ko icyemezo cyafashwe na I&M Bank gifite ishingiro, rutegeka ko KAYIJUKATassien avanwa mu banyamigabane ba I&M BANK, ntiyanyurwa n’icyo cyemezo, kuwa 04/04/2014 akijuririra muri uru rukiko.Rushingiye ku ngingo ya 78 y’Itegeko ryo kuwa 14/06/2014 ryo kuwa ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi iz’umurimo n’iz’ubutegetsi, uru Rukiko rubyibwirije rwafashe icyemezo cyo kubanza gusuzuma niba ikirego cyatanzwe na I&M cyaragombaga kwakirwa, icyo kibazo akaba aricyo kigomba gusuzumwa muri uru rubanza. I.ISESENGURA RY’IKIBAZO KIRI MURI URU RUBANZA Ese ikirego cyatanzwe na I&M BANK cyagombaga kwakirwa?Me Herbert RUBASHA uburanira I&M Bank yabajijwe impamvu yatumye baregera urukiko basaba kwemeza umwanzuro w’Inama rusange kandi ubusanzwe iyo ibyemezo byafashwe n’Inama Rusange ya sosiyete, bigafatwa hakurikijwe amategeko ubwabyo biba bifite agaciro,asubiza ko icyabateye gutanga ikirego ari uko imigabane ya KAYIJUKA Tassien yafatiriwe n’Ubushinjacyaha, kandi ngo I&M BANK imaze gufata icyemezo cyavuzwe haruguru KAYIJUKATassien yayandikiye acyamagana. Me BUGABO Laurent yahawe umwanya avuga ko nta mpamvu n’imwe abona yatuma icyemezo I&M Bank yafashe yaragombaga kugishyikiriza urukiko, bityo ngo ibyo I&M Bank yakoze binyuranije n’amategeko. Kuba ngo Ubushinjacyaha nabwo bwarafatiriye imigabane ya KAYIJUKA Tassien nabyo ngo ntibyaba impamvu kuko I&M BANK yagombaga kwiyumvisha ko nta fatira iryo ariryo ryose ryashoboka nta cyemezo cy’urukiko cyaritegetse. Mu miburanire ye Me RUBASHA Herbert avuga ko inyungu I&M BANK aburanira ifite yo gusaba ko icyemezo cy’Inama Rusange cyirukana KAYIJUKA Tassien nk’umunyamigabane wayo ari uko uyu yanditse acyamagana kandi n’Ubushinjacyaha rukaba rwarafatirye imigabane ye. Isesengura ry’iyi ngingo rigaragaza ko icyo I&M BANK yari ifite ari impungenge z’uko icyo cyemezo amaherezo cyashoboraga kuzayiteza ibibazo, ariko kugeza ubwo yatangaga ikirego ntigaragaza

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ko ibyo bibazo yabigize, bityo rukaba rusanga inyungu yo kurega I&M BANK ntayo yari yakagira. Ingingo ya 2 y’Itegeko n0 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko Ikirego kitemerwa, cyemerwa mu rukiko iyo urega adafite ububasha, inyungu n’ubushobozi bwo kurega, uru Rukiko rubona ikirego I&M BANK yatanze kitaragombaga kwakirwa kuko, kuba ibibazo yavugaga ishaka kwirinda byari bitaravuka, kandi inyungu ivugwa mu ingiyo ya 2 y’itegeko rivuzwe haruguru igomba kuba igaragara ku munsi wo gutanga ikirego, yaravutse kandi iriho, ibyo bikaba bivanaho inyungu zitarabaho cyangwa zishyidikanwaho. Kuba kandi I&M BANK yitwaza ko ishaka kwirinda ingaruka z’icyemezo yafashe, uru Rukiko rubona nabyo nta gaciro byahabwa kuko gusaba ko icyemezo Inama Rusange yafashe cyemezwa mu rubanza, bitavanaho KAYIJUKA Tassien uburenganzira bwo gusaba urukiko gutegeka ko giteshwa agaciro, ashoboye kugaragaza ko cyafashwe mu buryo bunyuranije n’amategeko, yaba amategeko agenga sosiyete z’ubucuruzi cyangwa amategeko shingiro ya I&M BANK. Rushingiye kubimaze kuvugwa, uru Rukiko rubona ikirego cyatanzwe na I&M BANK yahoze yitwa Banque Commerciale du Rwanda (BCR) kitaragombaga kwakirwa, bityo urubanza rwajuririwe R.COM 0976/13/TC/NYGE rwaciwe n’Urukiko rw’Ubucuruzi kuwa 07/03/2014 rukaba rugomba guteshwa agaciro mu ngingo zarwo zose. II. ICYEMEZO CY’URUKIKO Urukiko Rukuru rw’Ubucuruzi; Rwemeje ko nta nyungu I&M BANK yahoze yitwa Banque Commerciale du Rwanda (BCR) yari ifte zo kurega; Rwemeje ko ikirego cyatanzwe muri uru rubanza kitagombaga kwakirwa guhera ku rwego rwa mbere; Rutegetse ko urubanza rwajuririwe R.COM 0976/13/TC/NYGE rwaciwe n’Urukiko rw’Ubucuruzi kuwa 07/03/2014 ruteshwa agaciro mu ngingo zarwo zose; Rutegetse I&M BANK yahoze yitwa Banque Commerciale du Rwanda (BCR) gutanga amagarama yose y’uru rubanza.