MUTETERI N’ABANDI v. NDAYISABYE N’UNDI

# MUTETERI N’ABANDI v. NDAYISABYE N’UNDI

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2020-08-04 - Case/document no.: RCOMA 00002/2020/HCC - Collection: Commercial High Court

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MUTETERI N’ABANDI v. NDAYISABYE N’UNDI [Rwanda URUKIKO RUKURU RW’UBUCURUZI – RCOMA 00002/2020/HCC (Mutajiri, P.J.,) ku wa 04 Kanama 2020] Amategeko agenga imiburanishirize z’imanza z’ubucuruzi – Cyamunara – Gutesha agaciro cyamunara – Zimwe mu mpamvu zatuma Cyamunara iteshwa agaciro n’iyo hari icyemezo cy’urukiko cy’urubanza rwabaye itegeko nk’ikimenyetso kidashidikanywaho cyemeza nta shiti ko ku mutungo wagurishijwe muri cyamunara hari mo uruhare rw’abawusabiraga guteshwa agaciro – Itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 260. Incamake y’ikibazo: Abazungura ba Birasamasha Marc na Mukamuganga Verediana aribo Muteteri Josiane, Mukandinda Jeanne, Mukangarambe Anastasie, Xaverine Uwimana na Fidele Mugabo bandikiye Umwanditsi Mukuru bavuga ko umutungo bahuriyeho wagurishijwe mu buryo budakurikije amategeko kuko uwo mutungo wari ukiri mu manza, kandi urukiko rwari rutara fata icyemezo, bityo bakaba basaba ko iyo cyamunara yateshwa agaciro cyamunara. Nyuma yaho batanze ikirego mu Rukiko rw’Ubucuruzi barega Ndayisabye kuko ariwe wari wanditse ku itangazo rya cyamunara bavuga itarubahirije imihango y’ifatira n’igurisha mu cyamunara, kandi ko umutungo wagurishijwe n’uwabantu benshi, nta genagaciro ryakozwe ngo rimenyeshwe ba nyiri umutungo ndetse n’amatangazo ntiyamanitswe uko bikwiye, basaba na none ko cyamunara iteshwa agaciro. Ndayisabye yireguye avuga ko nyuma y’uko Umwanditsi Mukuru muri RDB atanze icyemezo cyo kugurisha ingwante yari ibaruwe kuri Rwabukamba Venuste na Gahongayire, kandi bakaba barawutanzeho ingwate muri BPR Ltd yabaye inguzanyo, ushinzwe kugurisha ingwate yateguye imihango yose ijyanye amabwiriza y’igurisha mu cyamunara, kandi ko uwegukanye iyo ngwate yatanze giciro kiruta icy’abandi, avuga ko ntawigeze amenyesha mbere izo manza zirebana n’uwo mutungo, ko ahubwo zamenyekanishijwe nyuma ya cyamunara. Urukiko rwemeje ko ikirego nta shingiro gifite, rutegeka abareze kwishyura Ndayisabye indishyi z’ikurikiranarubanza n’igihembo cy’avoka. Abareze ntibishimiye imikirize y’urubanza maze bajurira mu Rukiko Rukuru rw’Ubucuruzi barusaba gusuzuma niba koko iyi cyamunara yabaye ku mutungo ukirimo kuburanwa mu nkiko, itarubahirije amategeko kuburyo yateshwa agaciro. Ndayisabye avuga ko ubujurire nta shingiro bufite kubera ko cyamunara ikorwa abarega batigeze bagaragaza ibimenyetso by’uko ku mutungo ugurishwa hariho igice cyabo, ngo abirengeho awugurishe, ko kuba baratanze ibyo bimenyetso cyamunara yarakozwe bitagira ingaruka kuri BPR Ltd yari yarahawe ingwate. Incamake y’icyemezo: 1.Cyamunara iteshwa agaciro iyo hari icyemezo cy’urukiko cy’urubanza rwabaye itegeko nk’ikimenyetso kidashidikanywaho cyemeza nta shiti ko ku mutungo wagurishijwe muri cyamunara hari mo uruhare rw’abawusabiraga guteshwa agaciro.

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Ubujurire bufite ishingiro kuri bimwe. Amagarama y’urubanza aherereye ku isanduku ya Leta. Amategeko yashingiweho: Itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 260 . Nta manza zifashishijwe: Urubanza

I. IMITERERE Y’URUBANZA [1] Uru rubanza rwatangiriye mu rukiko rw’ubucuruzi abajuriye aribo bazungura ba MUKAMUGANGA Verediane baregeye urwo rukiko basaba gutesha agaciro icyamunara yakozwe k’umutungo UPI:5/01/05/04/1037. Mu kurega bakaba barasobanuye ko kuwa 21/11/2019 barimo kuburana umutungo umaze kuvugwa haruguru wari warabaruwe kuri RWABUKAMBA Venuste na GAHONGAYIRE Jeanette urimo kuburanwa mu rukiko rwisumbuye rwa Ngoma kuri RCA 00010/2019/TGI/NGOMA baregeraga igice cyawo kuribo, ko batunguwe nuko ushinzwekugurisha ingwate yagurishije uwo mutungo muri cyamunara kandi urukiko rutarafata icyemezo. Nyuma yo kubibona mu binyamakuru kuwa 22/11/2019, ko babajije uwari kuri iryo tangazo ariwe Albert NDAYISABYE ababwira ko cyamunara yaraye ibaye, bandikiye Umwanditsi Mukuru bamusaba gutesha agaciro iyi cyamunara kuko yakozwe k’umutungo utari uwa RWABUKAMBA Venuste na GAHONGAYIRE Jeanette kuko ukiburanwa mu nkiko ntiyayitesha agaciro. Cyamunara ngo ikaba itarubahirije imihango y’ifatira n’igurisha mu cyamunara, umutungo wagurishijwe n’uwabantu benshi nta genagaciro ryakozwe ngo rimenyeshwe ba nyiri umutungo ndetse n’amatangazo ntiyamanitswe uko bikwiye. Bakaba barareze basaba ko cyamunara iteshwa agaciro ndetse banasaba n’indishyi zinyuranye. [2] NDAYISABYE Albert yireguye avuga ko nyuma y’uko Umwanditsi Mukuru muri RDB atanze icyemezo cyo kugurisha ingwante (permit to sell) ibaruwe ku kibanza cyavuzwe haruguru cyanditswe kuri RWABUKAMBA Venuste na GAHONGAYIRE no gushyiraho ushinzwe kugurisha ingwate mu cyemezo No 019-073842. Uwashinzwe kugurisha ingwate yateguye amabwiriza y’igurisha mu cyamunara anategura amatangazo ya cyamunara bimenyeshwa abo bireba ndetse Umwanditsi Mukuru arayemeza mu cyemezo cyo kuwa 23/10/2019. Cyamunara yatangajwe inakorwa mu buryo buteganywa n’amabwiriza y’Umwanditsi Mukuru ashingiye ku itegeko rigenga ingwate. Avuga ko amatangazo ya cyamunara yanyujijwe kuri radiyo no mu kinyamakuru, yamanitswe ku murenge wa Kigabiro. Avuga ko uwegukanye ingwate yatanze 16,500,000 FRW arinacyo giciro kiruta icy’abandi, ko ndetse hakozwe raporo igashyikirizwa Umwanditsi Mukuru nawe akayemeza. Avuga ko ntawigeze amenyesha mbere izo manza zirebana n’uwo mutungo ko ahubwo zamenyekanishijwe nyuma ya cyamunara, ko kandi zitaraba itegeko. Asoza asaba indishyi.

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[3] Urukiko mu guca urubanza rukaba rwaremeje ko ikirego nta shingiro gifite, rutegeka abareze kwishyura NDAYISABA Albert indishyi z’ikurikiranarubanza n’igihembo cy’avoka. [4] Abareze bakaba batarishimiye imikirize y’urubanza maze Me MANIRAFASHA Jean Paul mu mwanya wabo ajurira asaba gusuzuma koko niba nta bimenyetso byagaragajwe ko uriya mutungo harimo uruhare rw'abaregera gukuraho iriya cyamunara, gusuzuma bundi bushya niba koko iyi cyamunara yabaye kumutungo ukirimo kuburanwa munkiko itarubahirije amategeko kuburyo yateshwa agaciro kuko Umucamanza wambere yabiciye kuruhande nkana, gukuraho 500,000FRW y'ikurikiranarubanza n'igihembo cy’avoka bwaciwe bidakwiriye, gusubizwa

amafaranga

1.000.000

FRW

y'indishyi

z'akababaro,300.000FRW y'ikurikiranarubanza,700,000 FRW y'igihembo cy’avoka ndetse n'igarama rya 20.000FRW bari batanze barega kurwego rwa mbere. Asoza asaba amafaranga 150.000FRW y'Ikurikiranarubanza na 350.000FRW y'igihembo cya avoka kuri uru rwego n'igarama 40.000FRW byatanzwe kuri uru rwego. [5] NDAYISABYE Albert mu kugira icyo avuga ku mpamvu z’ubujurire, asobanura ko nta shingiro zifite kubera ko cyamunara ikorwa abarega batigeze bagaragaza ibimenyetso by’uko ku mutungo ugurishwa hariho igice cyabo, ngo abirengeho awugurishe, ko kuba baratanze ibyo bimenyetso cyamunara yarakozwe bitagira ingaruka kuri BPR Ltd yari yarahawe ingwate. Ko kandi atagombaga kuubamenyesha ibyacyamunara atabazi ndetse ataribo banditswe ku cyangombwanka banyiri umutungo. Asoza asaba guhabwaindishyi z’ikurikiranarubanza n’igihembo cy’avoka. [6] Muri uru rubanza hakaba hagomba gusuzumwa niba niba nta bimenyetso byagaragajwe ko uriya mutungo harimo uruhare rw'abaregera gukuraho iriya cyamunara, gusuzuma niba iyi cyamunara itarubahirije amategeko, gusuzuma niba gukuraho indishyi z’ikurikiranarubanza n'igihembo cy’avoka bwaciwe bidakwiye, gusuzuma niba abaregaga basubizwa indishyi z'akababaro, iz’ikurikiranarubanza, iz’igihembo cya avoka bari batanze barega kurwego rwa mbereno gusuzuma niba indishyi z’ikurikiranarubanza n'igihembo cya avoka zisabwa na buri ruhande mu bujurire zifite ishingiro. [7] Mbere y’isesengura ry’ibibazo, twibutse ko Umwanditsi Mukuru muri RDB yaburanishijwe adahari kuko atitabye Urukiko nta n’impamvu abigaragarije. II. ISESENGURA RY’IBIBAZO A. Ku birebana no gusuzuma niba nta bimenyetso byagaragajwe ko uriya mutungo harimo uruhare rw'abaregera gukuraho iriya cyamunara

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[8] Me Manirafasha Jean Paul asobanura ko mu ngingo ya 260 (igika cya 6) ya CPCCSA, umushingamategeko yagaragaje ko usaba ko cyamunara yakozwe iteshwa agaciro ari umuntu wese ubifitemo inyungu (reba n'igika cya 6 cy'urubanza rujuririrwa), kandi ko bagaragaje ko uyu mutungo urimo kuburanwa mu nkiko (reba imanza RC 00081/2018/TB/KGRO rwaciwe kuwa 27/12/2018 ndetse n'icyemezo cyafashwe mu rubanza RCA cyafashwe kuwa 30/12/2019 bari bavuze), ikindi yagaragarijwe raporo y'ubuyobozi bw'Inzego z'ibanze n'abaturage yo kuwa 05/11/2017 aho banateye imbago zitandukanya muri uriya mutungo wibarujweho na Rwabukamba Venuste na Gahongayire Jeannette n'ubutaka bungana na 21822.85Sqm bw'Abazungura ba Birasamasha Marc kumugore we Mukamuganga Verediana kuko aha hari murugo rwa MUKAMUGANGA verediana kuko BIRASAMASHA Marc yari afite abagore benshi buri mugore afite umutungo we kandi abana bose bagakurikirana umutungo wa Nyina mu izungura) reba kandi uko wari warabaruwe ahohagaragara Plan cadastrale kuri buriya butaka ndetse n'Umwanzuro w'Inteko y'abunzi b'Akagali ka SIBAGIRE bemeza koko ko mumutungo ubaruye kuri UPI:5/01/05/04/1037 gifite ubuso bwa 94,024Sqm harimo ubwabarega ariko umucamanza yavuze ngo kuba urubanza rutaraba itegeko ngo rubashe kuvuguruza ibyangombwa ngo bifatwa nko kubura ibimenyetso bidashidikanywaho bivugwa mu ngingo ya 260 ya CPCCSA agasoza avuga ko ngo ntakimenyetso kigaragaza ko umutungo watejwe cyamunara kuwa 21/11/2019 ngo haba harimo uruhare rwa MUKAMUGANGA Verediana ngo babereye abazungura ngo bakaba bagomba gutsindwa, none se kuki niba ari uku yabibonye nawe yemera ko uyu mutungo ukiri murubanza kugirango hagaragazwe ukuri kuri nyirawo w'Ukuri kuko atatesheje agaciro by'Agateganyo cyangwa ngo abe ahagaritse iyemezwa ry'iriya cyamunara kugeza habonetse Icyemezo kubyo nawe abona ko bishobora kuzateza ikibazo nyuma y'icyemezo cye kuko gukomeza kugira agaciro kwa cyamunara yakozwe k’umutungo ukirimo impaka mu nkiko bitari Ubutabera buboneye. [9] Akomeza asobanura ko abo avuga ko biyandikishijeho uyu mutungo ahera kuki yemeza ko ari uwabo atazi aho bawukuye kandi urimo kuburanwa ngo ibi bisobanuke? Kuba barimo kuwuburana iyi ni impamvu ndashidikanywaho yerekana ko bafite inyungu yo gusaba gutesha agaciro iriya cyamunara nacyane ko bafite Inyandiko nyinshi zerekana ko uriya mutungo baregera ari uwabo n'inzego z'ibanze zarabihagarariye, bityo cyamunara sicyo kihutirwa kuri uriya mutungo ahubwo ikibanze ni ukubanza kumenya nyirayo w'ukuri cyangwa uruhare rwa buri wese kuri wo mubaburanyi muri ruriya rubanza bityo rero kudahagarika iriya cyamunara no kutayitesha agaciro bakavuga gusa ko ngo ikirego ntashingiro gifite, ahandi ngo nta bimenyetso kandi nabo babonye Igihe imanza zatangiriye kandi ko ziriho mbere ya cyamunara ni agahomamunwa ndetse ni ugushaka no gushyigikira ko abantu bahora mumanza, bahora bahanganye kandi babitewemo umuriri n'inkiko kuko kugumaho kwa cyamunara ikemezwa, abantu bagatangira kugabana amafaranga yavuye muri cyamunara, hanyuma Urukiko rurimo kuburanisha ibijyanye n'inkomoko y'uyu mutungo ndetse nuburyo abawanditsweho bawubonye ngo bisobanuke hagati yabo n'abarimo kuwuburana kandi igihe cy'ubuzime cy'imyaka 30 kikaba kitaragera ngo babe batakurikirana uwo mutungo wabo ni ukubogama bityo urukiko rwajuririwe rwemeze iteshwagaciro rya Cyamunara ngo bategereze ko Abanditse kuri uyu mutungo byemezwa ko ari uwabo cyangwa se ko abarega ari bo banyiri uyu mutungo ngo utezwe cyangwa bivanweho bishingiye kumategeko no ku ihame ryo gutanga ubutabera buboneye kubanyarwanda kuko aricyo gituma ubutabera buriho. (Gereranya n'ibiri mugika cya 9 cy'urubanza rujuririrwa).

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[10] NDAYISABA Albert asobanura ko kuba hari urubanza rwemezako umutungo watejwe cyamunara harimo igice kitari icya RWABUKUMBA Venuste na GAHONGAYIRE Jeannette ntaho bihuriye n’uru rubanza rwo guhagarikisha cyamunara kuko urwo rubanza rwaciwe kuwa 20/02/2020 nyuma yuko uwo mutungo utangwaho ingwate ndetse ukanatezwa cyamunara kubera kutishyura umwenda wafashwe n’ababaruye kuri uwo mutungo kandi abarega bakaba batarigeze batambamira itangwa ry’iyo ngwate ndetse bakaba baratanze ikirego iyo ngwate yaramaze gutangwa, bisobanuyeko uwo mutungo wagombaga gusubizwa abawutanzeho ingwate ari uko babashije kwishyura umwenda bahawe ariko atariko byagenze kuko mu gihe cyose batabashije kwishyura, ingwate yatanzwe iba iri mu maboko y’uwayihawe. [11] Akomeza asobanura ko urwo rubanza rutagira ingaruka nsubiranyuma (effet rectroactif) kuri BPR kuko yahawe ingwate mu buryo bukurikije amategeko bityo rero nubwo batsinze urubanza ariko batsindiye umutungo utakiri uwa RWABUKUMBA Venuste na GAHONGAYIRE Jeannette kuko bari baramaze kuwutangaho ingwate kandi bakaba barananiwe kwishyura umwenda bahawe kugirango bawusubizwe, ahubwo kuba baribaruje kuri uwo mutungo bazi neza ko atari uwabo wose ndetse bakawutangaho ingwate nibo barebwa n’urwo rubanza rwemejeko uwo mutungo hariho igice kitari icyabo. Kuba abarega batagaragaza ikimenyetso cy’uko baba barigeze batambamira cyangwa bashinganisha uyu mutungo mbere y’uko utangwaho ingwate nta burenganzira bafite bwo guhagarikisha cyamunara ku ngwate yatanzwe mbere y’uko batsinda urubanza rubahesha uburenganzira kuri uwo mutungo. [12] Ibyo akaba ngo abishingira ku ngingo ya 214 y’itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi ivugako « Umutungo ushinganye uguma mu maboko ya nyirawo. Ntiwemerewe kugurishwa, gutizwa, gutangwa cyangwa gutangwaho ingwate igihe cyose icyemezo kiwushinganisha kitaravanwaho n’urukiko cyangwa iyishyurwa ry’uwasabye ko ushinganishwa » ndetse n’Ingingo ya 245 y’itegeko ryavuzwe haruguru ivugako « Kuva urubanza rubaye itegeko cyangwa hasohotse indi nyandikompesha, imitungo itimukanwa y'uwatsinzwe iba ishinganishijwe ku bw'itegeko kugira ngo izavemo ubwishyu bw’ugomba kwishyurwa». Ibi bisobanuye neza ko ari umutungo w’uwatsinzwe kandi uyu mutungo ntabwo ukiri uw’uwatsinzwe ahubwo ni umutungo wa BPR ukomoka ku bugwate yahawe mu buryo bwemewe n’itegeko. [13] Asobanura ko nta bubasha bafite bwo gusaba ko cyamunara yakozwe kuri uriya mutungo utimukanwa yateshwa agaciro kuko nta kimenyetso na kimwe kidashidikanywaho bari babona kibaha uburenganzira bwo gutesha agaciro cyamunara yakozwe hisunzwe amategeko n’amabwiriza agenga igurisha ry’ingwate mu cyamunara. Amasezerano yakozwe hatangwa inguzano kimwe n’ayakozwe hatangwa ingwate ntibigeze basaba ko ateshwa agaciro kandi ariyo yatumye hatangwa icyemezo cyo kugurisha ingwate mu cyamunara bisabwe na banki yatanze inguzanyo kuko uwari wayihawe atari yashoboye kwishyura umwenda yahawe nk’uko bari babisezeranye. Kubera umwihariko amasezerano ku bugwate ku mutungo utimukanwa aba afite, cyamunara yateguwe kandi ikorwa hashingiwe kuri uwo mwihariko w’itegeko ku bugwate ndetse n’amabwiriza rusange y’Umwanditsi Mukuru agenga ibyerekeye gukodesha, kugurisha ndetse no kwegukana ingwate binyuze mu cyamunara. Ibyo abarega bavuga ko cyamunara itakurikije amategeko ngo kuko umutungo wagurishijwe ngo ari uwabo, ngo kuko umwanzuro w’abunzi wemeje ko uwo mutungo ngo ari uwabo. umwanzuro w’abunzi ntabwo ukuraho icyemezo cy’umutungo wanditswe kuri Rwabukamba na Gahongayire Jeannette. Icyemezo

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cy’ubutaka bwanditse kuri Rwabukamba Venuste kiracyafite agaciro kuko nta kindi cyemezo cy’urwego rwagitanze cyagikuyeho kimwe n’uko nta cyemezo cy’urukiko cyagitesheje agaciro. Icyemezo cy’ubutaka Rwabukamba yatanzeho ingwate ni inyandikomvaho idapfa kuvuguruzwa n’inyandiko ibonetse yose. Yaba ari urubanza rw’urukiko rw’Ibanze rwa Kigabiro bitwaza kandi rwarabatsinze, yaba uwo mwanzuro w’abunzi nta force executoire bifite. Bityo rero nk’uko urukiko rw’ubucuruzi rwabyemeje, abarega nta bubasha bafite bwo kuregera gutesha agaciro cyamunara yakozwe ku mutungo wa Rwabukamba Venuste. [14] Asoza asaba ko ahamya ko ingwate yagurishijwe ari iya Rwabukamba Venuste cyane ko iyandikisha ry’umutungo utimukanwa ryakozwe abo bose babireba ntibahagarikisha iryo yandikisha ry’umutungo mu kigo gishizwe imicungire y’ubutaka kugeza ubwo icyangombwa cy’ubutaka gisohotse muri 2012 bo bagashora imanza muri 2017 nyuma y’uko Rwabukamba apfiriye. Umuntu akaba yakwibaza aho abarega bari bari ubwo butaka bwarurwaga cyane ko iyandikisha ry’umutungo utimukanwa ryashingiraga ku nyandiko igaragaza inkomoko y’uburenganzira uwandikisha ubutaka abufiteho. [15] Me FATUMA avuga ko kuba ikimeneyetso cy’urubanza rwemeza ko k’umutungo wagurishijwe hari uruhare rw’abareze bitoryozwa awagurishije ingwate kuko atigeze amenyesha izo manza bafitanye na RWABUKAMBA n’umugore we. Uko urukiko rubibona [16] Urukiko rusanga ku birebana no gusuzuma niba nta bimenyetso byagaragajwe ko uriya mutungo utezwa cyamunara harimo uruhare rw'abaregera gukuraho iriya cyamunara nta makosa urukiko rw’ubucuruzi rwakoze mu kubyemeza kuko, kuba abajuriye nabo ubwabo bivugira ko ibya cyamunara babimenye yaramaze gukorwa, bivuga ko batigeze bayimenya ngo babe bayitambamira cyangwa abasabe ko ihagarikwa, kuba rero uwashinzwe kugurisha ingwate atarigeze ashyikirizwa ibimenyetso by’imanza zariho kuri iwo mutungo kugeza arangije kuteza cyamunara uwo mutungo akaba nawe nta makosa yakoze. [17] Urukiko rusanga ariko kuba nyuma ya cyamunara urukiko rwisumbuye rwa Ngoma kuwa 20/02/2020 rwaraciye urubanza RCA 00010/2019/TGI/NGOMA rukemeza nta shiti ko k’umutungo UPI:5/01/05/04/1037, harimo igice kingana na 21.822,85 spm cy’abazungura ba BIRASAMASHA Marc na MUKAMUGANGA Verediana aribo MUTETERI Josiane, MUKANDINDA Jeanne, MUKANGARAMBE Anastasie, Xaverine UWIMANA na Fidele MUGABO, kuba cyamunara yarakozwe kuwa 21/11/2019 naho urubanza rugaragaza uruhare rw’abazungura ba BIRASAMASHA Marc na MUKAMUGANGA Verediana rugacibwa kuwa 20/02/2020, kuba urwo rubanza rwarabaye itegeko, hashingiwe ku ngingo ya 260 y’itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi itaganya ko umuntu wese ubifitemo inyungu ashobora gusaba Urukiko rw’ibanze igomba kubera kuyihagarika iyo: 3° hari ikimenyetso kidashidikanywaho kigaragaza ko umutungo ugiye kugurishwa atari uw'uryozwa kwishyura. Izi mpamvu ni nazo zishingirwaho mu kirego gisaba gutesha agaciro cyamunara yakozwe. Ko kandi guhagarika no gutesha agaciro cyamunara ku mitungo igurishwa hashingiwe ku cyemezo cyo kugurisha ingwate cyatanzwe n’Umwanditsi Mukuru, bisabwa Umwanditsi Mukuru. Umwanditsi Mukuru atanga igisubizo mu gihe kitarenze iminsi itatu (3) y’akazi. Iyo hari

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utishimiye igisubizo cy’Umwanditsi Mukuru cyangwa udahawe igisubizo mu gihe giteganywa muri iki gika, abitangira ikirego mu rukiko rw’ubucuruzi hakurikijwe ibivugwa muri iyi ngingo mu gihe kitarenze iminsi itanu (5) y’akazi uhereye igihe yamenyeye icyo gisubizo. [18] Kuba rero hari ikimenyetso kidashidikanywaho ko mu mutungo wagurishijwe mu cyamunara harimo umutungo utari uwa RWABUKAMBA n’umugore we nk’uko byasobanuwe mu gika kibanziriza iki, cyamunara k’umutungo UPI:5/01/05/04/1037 ikaba iteshejwe agaciro gusa ku birebana na 21.822,85 spm z’abazungura BIRASAMASHA Marc na MUKAMUGANGA. B. Ku birebana no gusuzuma niba iyi cyamunara itarubahirije amategeko [19] Me MANIRAFASHA Jean Paul asobanura ko kubyo Umucamanza ku rwego rwa mbere yavuze ko icyakabiri agomba gusuzuma ari Ukumenya niba mu kugurisha mu cyamunara Umutungo ubaruye kuri UPI: 5/01/05/04/1037 hari amategeko atarubahirijwe kuburyo iyo cyamunara yabaye kuwa 21/11/2019 yaseswa, ko yamara nubwo umucamanza yabigaragaje yashoje avuga ko atabisuzuma ngo kuko abarega nta nyungu bafite kandi iyo umushingamategeko avuze ngo umuntu wese ubifitemo inyungu iyi iba ibaye impamvu ndemyagihugu ndetse nkuko twabyerekanye mugika cya 10 cy'Urubanza rujuririrwa twerekanye ko ahri amategeko agenga ishinganisha, ifatira ndetse n'itangazwa rya cyamunara nkuko biteganyuwa n'amategeko byigeze byubahirizwa nkuko biri mu ngingo ya 260 (igika cya 1,2,3) ya CPCCSA ndetse n'Ingingo za 215,217,227 za CPCCSA, kandi kubera ko Umutungo bigaragarara ko usangiwe n'abantu benshi mbere ya Cyamunara hari kubahirizwa Ibiteganywa mungingo ya 233 ya CPCCSA kandi ko hakorwa Igenagaciro riteganywa mungingo ya 253 ndetse iyo rimaze kumenyeshwa nyiri umutungo nawe ashobora gukora Igenagaciro rivuguruza Iryakozwe n'Umuhesha w'Inkiko wahawe kugurisha mu cyamunara, na cyane ko tubona ari ugupfobya uyu mutungo kuko uyu mutungo utangwaho ingwate wari ufite agaciro ka 60,440,160FRW ariko twabonye bavuga ko ngo hari expertise yakozwe na banki y'abaturage bidateganijwe mu itegeko ndetse itagomba kugenderwaho bagaragaje ko Umuheshawinkiko ngo yagennye Igiciro fatizo ka 43,911,440FRW atagaragaza aho yagashingiye kuko ubundi gashingira kuri Expertise yakoze na contre expertise yakozwe na nyiri umutungo avuguruza ipfobya ry'umutungo ryagaragajwe n'Umuhesha w'Inkiko.

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[20] Asobanura ko amategeko ateganya ko impamvu zituma hasabwa gutesha agaciro cyamunara, bibaho iyo hatubahirijwe amategeko agenga ifatira, yibanza niba uyu mutungo warashinganywe muri land center hagendwe kuri procedure ya cyamunara, niba kandi uyu mutungo se warashinganye mu maboko yande muri procedure ya cyamunara. Ko mbere yo kugurisha uyu mutungo itangazwa riteganijwe ryarakozwe kandi ryubahirije amategeko, niba hari ikintu nakimwe kubijyanye niyi cyamunara cyamenyeshejwe nyiri umutungo mbere yo kugurisha no kwinjira muri procedure ya cyamunara nkuko amategeko abiteganya. Igisubizo ngo akaba aruko ibi bitakurikije amategeko na cyane nubwo biregura bavuga ko ngo ibyakozwe byose byakozwe hagendewe kumabwiriza y'umwanditsi mukuru ngo ndetse n'itegeko rigenga ingwate nyamara muri ibi byose ntagisimbura itegeko twagaragaje nkuko biri mungingo ya 21 y'Amabwiriza y'umwanditsi mukuru na 282 ya CPCCSA kuko Uko amategeko arutanwa bigomba kubahirizwa nkuko biri mungingo ya 95 y'Itegeko nshinga, Ikindi ni uko nabo bagaragaje ko amabwiriza azakurikizwa mukugurisha uriya mutungo muri CYAMUNARA yateguwe n'Umuhesha w'Inkiko atari Umwanditsi mukuru bityo kuyategura byagombaga gushingira kumategeko ariho, none se yabikoze ashingiye kuyahe? None se koko abaye yarakurikije Itegeko rigenga ingwate ko ingingo ya 24 y'iryo tegeko Ivuga ko harega ubifitemo inyungu wese nkuko twabigenje, bo batwereke uburyo baba barubahirije ibiteganywa n'ingingo ya 14(agace ka 4), ndetse nuburyo bubahirije Ingingo ya 19 y'Iryop tegeko? none se ko kugurisha byari gukorwa banki Populaire kuki hajeho uyu muhesha w'Inkiko? none se Ingingo za 7,8,12 by'Amabwiriza y'umwanditsi mukuru byo byarubahirijwe? Ikigaragara nuko nabyo bitubahirijwe na cyane ko ibyo bagaragaza bakavuga ko byamenyeshejwe nyiri umutungo nta nyandiko nimwe yigeze ishyikirizwa nyiri Umutungo na rimwe, ntabwo byigeze bishyirwa Kukagali kandi ntibyakozwe na Rimwe ibi rero bigomba gutuma Iriya Cyamunara iteshwa agaciro kuko Itubahirije amategeko. 21. NDAYISABA Albert asobanra ko Ibyo barega bavuga rero ngo cyamunara ntiyakurikije amategeko barabeshya kuko cyamunara ikorwa hagurishwa ingwate hari aho ifite umwihariko wayo utandukanye n’izindi cyamunara zikorwa harangizwa imanza cyangwa izindi nyandikompesha. [21] Mugihe izo cyamunara zikorwa n’umuhesha w’Inkiko abanje gufatira cyangwa gushinganisha, cyamunara ikorwa hagurishwa ingwate nta shinganisha riba rikenewe gukorwa n’undi muntu kuko riba ryarakozwe igihe ingwate yandikishijwe mu gitabo cy’Ubugwate kibikwa n’Ibiro by’Umwanditsi Mukuru muri RDB. Iyo Banki yahawe icyangombwa cy’umutungo utimukanwa, umutungo uba warangije kujya mu maboko yayo, byumvikana neza ko nta rindi shinganisha cyangwa ifatira ryari gukorwa ku ngwate yavuzwe haruguru nk’uko abarega bavuga ko nta fatira cyangwa ishinganisha Receiver yakoze. [22] Nti byari ngombwa ko akora igikorwa cyarangije gukorwa ingwate yamara kwandikwa mubitabo by’ingwate ku mutungo utimukanwa. NDAYISABYE Albert yahawe inshingano zo kugurisha ingwate mu cyamunara. izo nshingano akaba yarazihawe n’Umwanditsi Mukuru muri RDB nk’uko biteganywa n’itegeko rigenga ubugwate ku mutungo utimukanwa ndetse n’amabwiriza abigenga. Cyamunara yakozwe tariki ya 21/11/2019 yakorewe aho ingwate iherereye ari nayo yakorewe igenagaciro ryashyikirijwe Umutesi Caroline ryagaragaje ko ubutaka bwatanzweho ingwate bufite agaciro ka 43.911.440FRW rikaba ryarakozwe n’Umugenagaciro ubarizwa mu rugaga rw’Agenagaciro mu Rwanda bisabwe na banki yahawe ingwate. Iryo genagaciro rikaba ryarakoreshejwe Receiver atarahabwa inshingano zo kugurisha iyo ngwate muri cyamunara. Aho bavuga ko ngo agaciro ingwate igaragaza mu igenagaciro rya

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mbere ryakozwe hatangwa inguzanyo ari kanini ugereranije n’agaciro kagaragara mu igenagaciro ryakozwe nyuma hategurwa cyamunara, icyo kinyuranyo nticyabazwa Receiver kuko atariwe ugena agaciro ingwate ifite. Agaciro ingwate ifite kagenwa n’Umuhanga mu igenagaciro ubifitiye ububasha. Ibijyanye n’ uko ngo nta contre expertise yakozwe nabyo ntibyabazwa REICEIVER kuko Umutesi Caroline uhagarariye bene ingwate wanamenyeshejwe iryo genagaciro ntiyigeze asaba gukoresha contre expertise ngo abyangirwe. [23] Bityo rero cyamunara yakozwe ku mutungo utimukanwa wa Rwabukamba Venuste ntiwari ukeneye irindi fatira cyangwa irindishinganisha kuko BPR yahawe uwo mutungo utimukanwa nk’ingwate yari ibufite mu maboko yayo, nta mpungenge yari kugira kuko wanditse mu gitabo cy’Umwanditsi Mukuru. Iryo fatira n’Ishinganisha abarega bavuga nta n’icyo ryari kubamarira kandi ntacyo ryabahombeje byatuma basaba gutesha agaciro cyamunara yakozwe mu buryo buteganijwe n’itegeko rigenga ingwate n’amabwiriza abigenga cyane ko nta n’ikimenyetso kidashidikanywaho bari bagaragaza kigaragaza uburenganzira bafite kuri uriya mutungo. Umuvandimwe wabo Rwabukamba Venuste muri kariya Karere ka Rwamagana yari umuntu uzwiho kugira imitungo igaragarira buri wese kuburyo kwemeza ko yaba yaribarujeho igice cy’ubutaka bwabo mu buriganya bitumvikana cyane ko ubutunzi benshi muri bene se bafite ariwe wabubahaye. (reba Ingingo ya 11 y’Amabwiriza rusange y’Umwanditsi Mukuru agenga ibyerekeye gukodesha, kugurisha mu cyamunara ndetse no kwegukana ingwate). [24] Ingingo ya 12 igika cya 2 cy’amabwiriza y’Umwanditsi Mukuru ibivuga, isubika rya cyamunara ntirishobora kurenza inshuro eshatu kandi bikorwa mu gihe kitarenze ukwezi. Iyo inshuro eshatu zirenze, ku wundi munsi cyamunara yimuriweho, hafatwa igiciro kinini cyatanzwe mu igurisha. Uwo munsi wa cyamunara nta muntu wigeze yanga icyo giciro cyatanzwe, nkaba mbona nta mpamvu n’imwe yatuma cyamunara yakozwe hagurishwa iyi ngwate iteshwa agaciro. Abarega bibaza niba ingingo ya 7,8,12 z’Amabwiriza y’Umwanditsi Mukuru nibazarubahirijwe. Izo ngingo zarubahirijwe uko zakabaye nk’uko twabisobanuye mu ntangiriro y’umwanzuro wo kwiregura aho twasobanuye ko Umwanditsi Muru yatanze icyemezo cyo kugurisha mu cyamunara abisabwe na banki, Receiver ategura inyandiko igaragaza uko cyamunara yateguwe n’uko izakorwa , hamwe n’igenagaciro ryarakozwe bimenyeshwa nyiri umutungo watanzweho ingwate uhagarariwe na Umutesi Caroline binyuze ku kagari ka Cyanya , inyandiko igena uburyo cyamunara izakorwamo ishyikirizwa umwanditsi mukuru nawe arayemeza(reba approval of salling terms &conditions). Uko urukiko rubibona [25] Urukiko rusanga ibivugwa n’abajuriye ko cyamunara itubahirije amategeko ngo kuko nubwo umucamanza yavuga ko atabisuzuma ngo kuko abarega nta nyungu bafite kandi iyo umushingamategeko avuze ngo umuntu wese ubifitemo inyungu iyi iba ibaye impamvu ndemyagihugu ndetse nkuko twabyerekanye mugika cya 10 cy'Urubanza rujuririrwa berekanye ko ahari amategeko agenga ishinganisha, ifatira ndetse n'itangazwa rya cyamunara nk’uko biteganyuwa n'amategeko byigeze byubahirizwa nkuko biri mungingo ya 260(igika cya 1,2,3) ya CPCCSA ndetse n'Ingingo za 215,217,227 za CPCCSA, bitahabwa ishingiro kuko nk’uko umucamanza yabisobanuye ko abaregaga/abajurira mu gushingira kuriyi ngingo bashaka kugaragaza ko uwo mutungo wari usangiwe n’abantu benshi, ni ukuvuga RWABUKAMBA

## Page 10

n’umugore wendetse n’aba bazungura bajuriye, ko bityo bagombaga kumenyeshwa imihango yose ya cyamunara ni ukuvuga amabwiriza ya cyamunara, amatangazo, igenagaciro n’ibindi, ariko nyamara bakirengagiza ko itegeko riteganya ko ibyo byose bimenyeshwa uwo ingwate yanditsweho cyangwa se nyiri ugutanga ingwate (reba ingingo ya kuva kuya 8 kugeza kuya 12 z’amabwiriza y’umwanditsi mukuru n°03/2010/org yo kuwa 16/11/2010 agenga ibyerekeye gukodesha, kugurisha muri cyamunara ndetse no kwegukana ingwate yakoreshwaga icyo gihe), bityo yaba Umwanditsi Mukuru cyangwa uwashinzwe kugurisha ingwate akaba nta wundi bagombaga kumenyesha inyandiko zikubiyemo amabwiriza ya cyamunara cyangwa amatangazo usibye uwatanze ingwate, kuba rero abazungura ba BIRASAMASHA Marc na MUKAMUGANGA Verediana batari mu batanze ingwate yandikishijwe imbere y’Umwanditsi Mukuru bakaba nta nyungu bari bafiteyo kurega ko cyamunara itubahirije amategeko kuko abari bafite inyungu ari abo umutungo wari wanditsweho arinabo bawutanzemo ingwate. [26] Urukiko rusanga na none kuvuga ko amategeko agenga ishinganisha n’ifatira atubahirijwe nabyo bitahabwa ishingiro kuko avoka ubaburanira bigaragara ko yitiranya icyamunara gikorwa harangizwa urubanza arinarwo rusaba ko hakorwa ishinganisha n’ifatira ry’umutungo, bitandukanye n’icyamunara gikorwa hagurishwa ingwate yandikishijwe k’Umwanditsi Mukuru kuko ifite amabwiriza y’ihariye y’uburyo ikorwamo nk’uko akubiye mu mabwiriza y’umwanditsi mukuru n°03/2010/org yo kuwa 16/11/2010 agenga ibyerekeye gukodesha, kugurisha muri cyamunara ndetse no kwegukana ingwate yakoreshwaga icyo gihe. [27] Urukiko rusanga inyungu aba bazungura bari bafite mbere na mbere aruko bari gushinganisha uwo mutungo mu nzego bireba ntihagire uwutangaho ingwate cyangwa ngo awugurishe. Nyuma y’uko basanze waragurishijwe bakaba baragombaga kurega basaba ko cyamunara iteshwa agaciro bahereye igihe bayimenyeye bakaba baragombaga kugaragaza ko mu mutungo wagurishijwe harimo igice cy’umutungo utari uw’uwishyuzwa nk’uko biteganywa n’ingingo ya 260, igika cya 1 agace ka 30 y’itegeko No 22/2018 ryo ku wa 29/04/2018 Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi. C. Ku birebana no gusuzuma niba gukuraho indishyi z’ikurikiranarubanza n'igihembo cya avoka bwaciwe bidakwiye [28] Me MANIRAFASHA Jean Paul asobanura ko mugika cya 21 cy'urubanza RCOM 02533/2019/TC, umucamanza yategetse abarega kwishyura amafaranga 500.000FRW y'Ikurikiranarubanza n'Igihembo cy’avoka kandi bidakwiye kuko ariwe wadushoye mu manza bityo bikurweho kuko byaba ari akarengane baba bagiriwe. Bagomba gukurikirana ibyabo kubashaka kubitwara byose kandi ntabwo bakoze ibiteganywa n'amategeko aribyo baregera. [29] NDAYISABYE asobanura ko amafaranga ibihumbi 500.000FRW baciwe y’igihembo cy’Avoka ntabwo bagomba kuyakurirwaho kuko bayaciwe kuberako batsinzwe urubanza bityo bakaba bagomba kwishyura uwatsinze ayo mafaranga ahubwo hakiyongeraho nayo bazacibwa mu gihe urukiko ruzaba rwemeje ko ikirego cyabo nta shingiro gifite kuko ibyo baregera nta burenganzira ndetse n’ibimenyetso babifitiye. Uko urukiko rubibona

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[30]

Urukiko rusanga ibivugwa n’uburanira abajuriye ko hakurwaho indishyi z’ikurikiranarubanza n'igihembo cya avoka ngo kuko bwaziciwe bidakwiye bitahabwa ishingiro kuko kuba barashoye mu manza NDAYISABA Albert nk’uwashinzwe kugurisha ingwate kandi nyamara nta makossa ye bagaragaza yaba yarakoze mu kugurisha uwo mutungo, kuba mu gukurikirana urubanza haribyo yatakaje, kuba aribo nyirabayazana w’ibyo yatakaje bakaba baragombaga kubimwishyura hashingiwe ku ngingo ya 111 y’itegeko No 22/2018 ryo ku wa 29/04/2018 Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi. D. Ku birebana no gusuzuma niba abaregaga basubizwa indishyi z'akababaro, iz’ikurikiranarubanza, iz’igihembo cya avoka bari batanze barega kurwego rwa mbere [31] Me MANIRAFASHA Jean Paul asobanura ko mu gika cya 16 cy'urubanza rujuririrwa bari basabye ariya mafaranga kandi basaba ko bayabaha kubw'impamvu bari bagaragaje kuko batumye barega bidakwiriye kuko iyi cyamunara iba yaravanyweho bitagombye urubanza, none babakuruye mumanza banabatangisha amafaranga bagomba kwishyura. [32] NDAYISABYE asobanura ko amafaranga yose basaba gusubizwa nta shingiro bafite kuko ntabwo bayasubizwa kandi baratsinzwe ikindi kandi nta muntu numwe wabashoye mu manza kuko nta ruhare na ruto bafi bagira ku mutungo watejwe cyamunara. Uko urukiko rubibona [33] Urukiko rusanga indishyi zisabwa n’abajuriye zitagomba gutangwa kuko kuba nta makosa bagaragaza yaba yarakozwe n’Umwanditsi Mukuru cyangwa uwashinzwe kugurisha ingwate bashoboye kugaragariza urukiko rubanza cyangwa urwajuririwe, na cyane ko nk’Umwanditsi Mukuru atarigutesha agaciro cyamunara agendeye ku kimenyetso cy’urubanza rukiburanishwa ndetse n’uwashinzwe kugurisha ingwate akaba atari guhagarika icyamunara kandi ntawubimusabye kuko ba nyiri ukujurira nabo bivugira ko bamenye icyamunara cyaramaze gukorwa, bityo rero kuba nta makossa yabasabwa indishyi agaragarizwa urukiko rukaba ntaho rwahera rubaca indishyi. E. Ku birebana no gusuzuma niba indishyi z’ikurikiranarubanza n'igihembo cya avoka zisabwa na n’abajuriye mu bujurire zifite ishingiro [34] Me MANIRAFASHA Jean Paul asobanura ko kubera gukomeza kudushora mu manza bagomba gutanga n'aya mafaranga nkuko avugwa muri iki kibazo, amafaranga 150.000Frw y'Ikurikiranarubanza na 350.000Frw y'igihembo cya Avocat kuri uru rwego n'Igarama 40.000Frw byatanzwe kuri uru rwego. [35] NDAYISABYE n’umwunganizi we Me MUKABIBI basobanura ibyo basaba byose nta shingiro bifite ahubwo NDAYISABYE Albert asaba urukiko ko rutegeka abarega kumwishyura amafaranga angana n’ibihumbi Magana atanu (500.000Frw) y’indishyi z’akababaro, ibihumbi Magana atatu (300.000Frw) y’ikurikiranarubanza ndetse na miliyoni (1.000.000Frw) y’igihembo cy’avoka kubera gukomeza kumushora mu manza nta mpamvu kuko we yakoze umurimo ashinzwe na RDB mu nyungu za BPR kandi ntaho yari ahuriye n’ibibazo bivugwa kuri uwo

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mutungo, ko kandi atigeze abona ibaruwa imuhagarika gukomeza izo nshingano ngo ayirengeho akomeze bityo rero ibyo yakoze byose atariwe wabiryozwa kuko atakoze ibinyuranye n’amabwiriza ndetse n’amategeko yagombaga kugenderaho mu kugurisha umutungo uvugwa. Uko urukiko rubibona [36] Urukiko rusanga indishyi zisabwa n’abajuriye zitagomba gtangwa kuko nk’uko byasobanuwe ko badashobora kugaragaza uruhare rwabo bazisaba mu bibazo bagize, bityo bakaba batagomba gucibwa indishyi zidafite ikosa zishingiyeho. [37] Urukiko rusanga indishyi z’akababaro zisabwa na NDAYISABA Albert zitagomba gutangwa kuko atabasha kugaragariza urukiko ako kababaro yatewe n’urubanza usibye kubivuga m magambo gusa. Rusanga ahubwo agomba kugenerwa indishyi zo gushorwa mu manza n’iz‘igihembo cy’avoka kuko kuba yarakomeje gushorwa mu manza kandi nyamara nta makosa ye agaragazwa yaba yarakoze, kuba mu gukurikiranaizomanza hari ibyo yatakaza nko gushaka avoka wo kumwunganira ibyo yatakaje byose bikaba bigomba gusubizwa n’abajuriye hashingiwe ku ngingo ya 111 y’itegeko No 22/2018 ryo ku wa 29/04/2018, ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi isobanura ko ikirego cy’amafaranga y’ikurikiranarubanza kiba ikirego gishamikira ku kirego cy’iremezo ko kandi kigamije kwishyuza ibyakoreshejwe mu rubanza, ko ndetse icyo kirego kiburanishirizwa rimwe n’ikirego cy’iremezo ko kandi gishobora kwakirwa kikanaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe, kuko aribo ba nyirabayazana b’igihombo byamuteje, kubw’izo mpamvu bakaba bagomba kumwishyurwa amafaranga y’ikurikiranarubanza n’igihembo cy’avoka yo ku rwego mu bujurire angana na 600,000 agenwe mu bushishozi bw’urukiko kuko ayasabwaga ari umurengera. III. ICYEMEZO CY’URUKIKO [38] Rwemeye kwakira ubujurire bwa’abazungura ba BIRASAMASHA Marc na MUKAMUGANGA Verediana aribo MUTETERI Josiane, MUKANDINDA Jeanne, MUKANGARAMBE Anastasie, Xaverine UWIMANA na Fidele MUGABO, kuko bwatanzwe bikurikije amategeko, rubusuzumye rusanga bufite ishingiro kuri bimwe. [39] Rwemeje ko imikirize y’urubanza RCOM 02533/2019/TC ihindutse gusa ku birebana n’ubutaka bufite 21.822,85 spm bugomba kuvanwa mu mutungo watejwe cyamunara. [40] Rwemeje ko cyamunara yabaye kuwa 21/11/2019 k‘umutungo UPI:5/01/05/04/1037, iteshejwe agaciro gusa ku gice kingana na 21.822,85 spm cy’abazungura ba BIRASAMASHA Marc na MUKAMUGANGA Verediana aribo MUTETERI Josiane, MUKANDINDA Jeanne, MUKANGARAMBE Anastasie, Xaverine UWIMANA na Fidele MUGABO. [41] Rutegetse ko cyamunara yabaye kuwa 21/11/2019 k‘umutungo UPI:5/01/05/04/1037, iteshejwe agaciro gusa ku gice kingana na 21.822,85 spm cy’abazungura ba BIRASAMASHA Marc na MUKAMUGANGA Verediana aribo MUTETERI Josiane, MUKANDINDA Jeanne,

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MUKANGARAMBE Anastasie, Xaverine UWIMANA na Fidele MUGABO kigomba gukurwa mu mutungo watejwe cyamnara. [42] Rutegetse MUTETERI Josiane, MUKANDINDA Jeanne, MUKANGARAMBE Anastasie, Xaverine UWIMANA na Fidele MUGABO gufatanya kwsihyura NDAYISABA Albert amafaranga 600,000 y’indishyi z’ikurikiranarubanza n’igihembo cy’avoka mu bujurire. [43] Rutegetse ko amafaranga 40,000 y’amagarama abajuriye bishyuye aherera ku isanduku ya Leta.