NAYANDI v. COGEBANQUE Ltd

NAYANDI v. COGEBANQUE Ltd

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2015-11-20 - Case/document no.: RCOMA 0010/14/CS - Collection: Supreme Court

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NAYANDI v. COGEBANQUE Ltd [Rwanda URUKIKO RW’IKIRENGA – RCOMA 0010/14/CS (Kayitesi Z, P.J., Mukandamage na Nyirinkwaya, J.) 20 Novembre 2015] Indishyi – Indishyi zitangwa iyo ikosa ryabaye hari icyo ryangije – Kuba uwaka indishyi atagaragaza icyo yangirijwe kandi nawe akaba hari ibyo agomba uwo azisaba, icyo gihe ntiyazigenerwa . CCL III, ingingo ya 258. Incamake y’ikibazo: NAYANDI Abraham yareze COGEBANQUE Ltd mu Rukiko Rukuru rw’Ubucuruzi, isaba indishyi zingana na 30.000.000 Frws ivuga ko zishingiye ku buryo banki yagiye ibara inyungu ku mwenda yamuhaye, avuga ko umwenda wagiye wiyongera mu buryo budasobanutse. COGEBANQUE Ltd yiregura isaba indishyi z’akababaro zingana na 30.000.000 Frw n’amafaranga y’igihembo cya Avoka, urukiko rwemeza gushyiraho umuhanga mu ibaruramari kugira ngo agaragaze umwenda nyakuri Nayandi abereyemo banki, maze hagyendeye kuri raporo y’umuhanga, urukiko rwemeza ko agomba kwishyura banki umwenda wose ungana na 255.401.906 Frws. Umuhanga mu ibaruramari muri raporo ye yemeje ko Nayandi yahawe na COGEBANQUE inguzanyo zitandukanye, harimo inguzanyo z’amafaranga n’inguzanyo z’ubwishingire, agaragaza amakosa yagiye abaho mu ibarwa ry’izi nguzanyo n’inyungu. Ku masezerano y’ubwishingire y’amasoko Nahayo yagiye apiganirwa akishingirwa na banki ku birebana na avance de demarage yagiye ahabwa nayo, raporo yakozwe n’umuhanga yasanze naho haragiye habamo amakosa

hamwe yongera umwenda, ahandi awugabanya. Urukiko rwasanze indishyi z’akababaro COGEBANQUE yasabaga itazihabwa kubera ko itagaragaza akababaro yagize nka banki. Ku birebana n’amasezerano y’ubwishingire n’amafaranga COGEBANQUE yagombaga kubonaho cautions et commissions, Nayandi avuga ko urukiko ntacyo rwavuze kuri cautions zashyizwe kuri konti ye nk’umwenda. Urukiko rwemeza ko atagaragaje ibimenyetso cy’iminsi caution de soumission zari zifite kandi ko ntagaragaze ko yarangije imirimo y’isoko yari yatsindiye. Rukundo Musabyimana Innocent, Umuhanga mw’ibyibaruramari washyizweho n’urukiko amaze kurahira yasanze umwenda ungana na 223.99.855 Frw COGEBANQUE yaregeye ugeze kuri 255.401.906 Frw. ku kibazo cyo kumenya niba ubwishingire bwabarwa nk’umwenda, avuga ko yasanze ubwishingire butaragarurirwa inyandiko z’umwimerere ari butanu buhwanye na 23.517.170 Frw atabariye komisiyo kuko atazi neza niba akazi katararangiye. Incamake y’icyemezo: 1. Uwaka indishyi ntiyazigenerwa mu gihe atagaragaza icyo yamwangirije kubera ko umutungo we watejwe cyamunara hakurikijwe amasezerano y’umwenda, icyo gihe haba cyamunara akaba atari yarishyuye umwenda, akaba yemera ko hari amafaranga atarishyurwa.

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2. Kuba ubwishingire (cautions) na komisiyo (commissions) zishyuwe izirenga ku zagombaga kwishyurwa kandi ubwishingire yahawe na banki butagomba gufatwa nk’umwenda ayibereyemo kuko itagaragaza ko hari amafaranga yamwishyuriye ku masoko yaba atarakoze neza cyangwa ntayarangize, bityo ubwishingire buhwanye n’amasoko atanu umuhanga avuga ko nta kizere afite ko atarangiye, ntatagomba kuyishyura nk’umwenda nk’uko yari yabitegetswe n’Urukiko Rukuru rw’Ubucuruzi.

3. Ababuranyi bombi bafatanya kwishyura igihembo cy’umuhanga kuko buri wese hari ibyo yatsindiye nibyo atsindiwe, umwe agatanga 50% y’igiciro cya expertise. Ubujurire bufite ishingiro kuri bimwe. Amagarama y’urubanza aherereye ku baburanyi bombi. Amategeko yashingiweho: Amategeko agenga amasezerano, ingingo ya 258. Nta manza zifashishijwe. Urubanza I. IMITERERE Y’URUBANZA [1] NAYANDI Abraham yareze COGEBANQUE Ltd mu Rukiko Rukuru rw’Ubucuruzi, avuga ko atemeranywa nayo uburyo yabazemo umwenda remezo n’inyungu imwishyuza ku nguzanyo yamuhaye, kimwe n’andi mafaranga yagiye abarwa kuri konti ye nk’umwenda yerekeranye n’ubwishingire ku masoko yapiganiye n’ayo yatsindiye gukora, n’amafaranga yishyuzwa ajyanye nabwo (cautions de soumission, d’avance de démarrage et de bonne fin des travaux et les commissions y afférantes), ko rero uwo mwenda ugenda wiyongera mu buryo budasobanutse, anasaba ko COGEBANQUE imuha indishyi zingana na 30.000.000 Frw. [2] COGEBANQUE Ltd nayo yatanze ikirego kigamije kwiregura isaba indishyi z’akababaro zingana na 30.000.000 Frw n’amafaranga y’igihembo cya Avoka. [3] Urukiko rwasanze rukwiye gushyiraho umuhanga mu ibaruramari kugira ngo agaragaze umwenda nyakuri NAYANDI abereyemo COGEBANQUE, amaze gutanga raporo ye n‘ababuranyi bombi bakagira icyo bayivugaho, ruca urubanza RCOM 0099/12/HCC kuwa 17/07/2014 rwemeza ko ikirego cya NAYANDI nta shingiro gifite,

rumutegeka kwishyura COGEBANQUE Ltd umwenda wose ungana na 255.401.906 Frw n’amafaranga yishingiwe “cautions” asigaye angana na 23.517.170 Frw, akanayiha 1.000.000 Frw y’igihembo cya Avoka. [4] Urukiko rwasanze, umuhanga mu ibaruramari yarabonye ko NAYANDI yahawe na COGEBANQUE inguzanyo zitandukanye, ku matariki atandukanye, harimo inguzanyo z’amafaranga (crédits de décaissement et découverts en compte amortissable), n’inguzanyo z’ubwishingire (soumission, avance de démarrage et de bonne fin), agaragaza amakosa yagiye

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abaho mu ibarwa ry’izi nguzanyo n’inyungu, cyane cyane mu nguzanyo yahaweho amafaranga, ndetse aranayagabanya ashingiye ku mibare nyayo. [5] Ku masezerano y’ubwishingire (cautions de démarrage, de soumission et de bonne fin), umuhanga yasanze naho haragiye habamo amakosa hamwe yongera umwenda, ahandi awugabanya, kandi izo nguzanyo zitagaragaza amatariki y’itangwa ry’amasoko, amatariki y’irangizwa y’amasoko cyangwa igihe cy’ubwishingire, ndetse n’ayo gusubiza ibyemezo by’ubwishingire, akosora ayo makosa. [6] Ku birebana n’ikirego cya COGEBANQUE Ltd kiregera kwiregura, isaba 30.000.000 Frw y’indishyi z’akababaro, Urukiko rwasanze izo ndishyi zidakwiye gutangwa kuko itagaragaza akababaro, yo nka Banki igira, rusanga na none 10% ya 222.785.709 Frw isaba NAYANDI y’igihembo cya Avoka adakwiye gutangwa, kuko itagaragaza aho ishingira uwo mubare wose w’amafaranga, ruyigenera mu bushishozi bwarwo 1.000.000 Frw. [7] NAYANDI yajuririye Urukiko rw’Ikirenga avuga ko urukiko rwashingiye kuri raporo y’umuhanga idafite agaciro (nul de plein droit), kubera ko uwayikoze atabanje kurahira kandi ingingo ya 93 y’Itegeko nº 15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo ariko ibiteganya. Avuga kandi ko kuba raporo y’umuhanga yaragaragaje ko, kuwa 03/11/2010 ubwo COGEBANQUE yaregeraga umwenda, wari ugeze kuri 221.248.627 Frw, aho kuba 283.881.716 Frw, bigaragaza ko

ikirego cye cyari gifite ishingiro, ariko urukiko ntirwabishingiraho ngo COGEBANQUE ihanwe, maze icibwe indishyi nk’uko yazisabye. [8] Ku birebana n’amasezerano y’ubwishingire n’amafaranga COGEBANQUE yagombaga kubonaho (cautions et commissions), NAYANDI avuga ko urukiko ntacyo rwavuze kuri “cautions“ zashyizwe kuri konti ye nk’umwenda, naho kuri “commissions“, rwemeza ko atarugaragarije ibimenyetso by‘uko “cautions de soumission“ zari zifite igihe cy’iminsi 90, nyamara icyo gihe cyari giteganyijwe kuri buri imwe, runavuga ko atagaragaje ko yarangije imirimo y’isoko yari yaratsindiye kandi amafaranga y’isoko yabaga yatsindiye yarashyizwe kuri konti ye, na „historique“ ya konti ye ikaba igaragaza neza ko ubwishyu bwagiye bukorwa hakurikijwe uko imirimo y’isoko yarangiye kandi yakiriwe. [9] Urubanza rwaburanishijwe mu ruhame tariki ya 21/07/2015, NAYANDI Abraham ahagarariwe na Me NKURUNZIZA François Xavier, COGEBANQUE iburanirwa na Me MUNYANGABE Henri Pierre. [10] Urukiko rwabanje gusuzuma ikibazo cyo kumenya niba Urukiko Rukuru rw’Ubucuruzi rwaraciye urubanza rushingiye kuri raporo y’umuhanga idafite agaciro, maze mu rubanza rubanziriza urundi rwaciwe kuwa 18/09/2015, rwemeza ko RUKUNDO MUSABYIMANA Innocent, umuyobozi wa RST Company wakoze ibarura ry’umwenda NAYANDI afitiye COGEBANQUE agomba gutumizwa kugirango arahire kandi asobanurire urukiko n’ababuranyi ibikubiye muri raporo yakoze.

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II. IBIBAZO BIGIZE URUBANZA N’ISESENGURA RYABYO a. Kumenya niba COGEBANQUE igomba guha NAYANDI indishyi kubera ko yabaze nabi umwenda ayibereyemo. [11] Mu iburanisha ryo kuwa 21/10/2015, RUKUNDO MUSABYIMANA Innocent, amaze kurahira indahiro iteganywa n’ingingo ya 93 y’Itegeko nº 15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, yasobanuye ko ahereye ku nyandiko yahawe n’ababuranyi, yasanze umwenda ungana na 223.99.855 Frw COGEBANQUE yaregeye ku itariki ya 03/11/2010, ugizwe n’imyenda ikurikira: - Ubwishingire bwo kurangiza neza imirimo (caution de bonne fin): 36.290.023 Frw; - Ubwishingire bwo gutangira imirimo (caution de démarrage): 23.600.836 Frw; - Umwenda wahujwe (crédit consolidé): 190.972.771 Frw; - Umwenda w’igihe gito (crédit à court terme): 33.018.084 Frw. [12]

Ku byerekeye umwenda w’igihe gito wa 33.018.084 Frw, RUKUNDO MUSABYIMANA avuga ko yasanze utarigeze wishyurwa, ukaba ugizwe n’umwenda remezo wa 30.000.000 Frw NAYANDI yagombaga kwishyura mu gihe cy’amezi ane kugeza tariki ya 15/08/2010, ku gipimo cy’inyungu zisanzwe za 19% na 21% y’inyungu z’ubukererwe, inyungu zose zitishyuwe akaba ari 1.119.977 Frw, umwenda wishyuzwa ukaba ari 31.119.977 Frw aho kuba 33.018.084 Frw, hakaba harimo ikinyuranyo cya 1.898.197 Frw itagombye kwishyuza. [13] Ku byerekeye umwenda washyizwe hamwe (crédit consolidé et réechelonné) wa 190.972.771 Frw, umuhanga avuga ko yahereye kuri konti nº 1300-200019-88 ya NAYANDI muri COGEBANQUE, asanga hari amafaranga yagiye yishyurwa angana na 5.404.988 ariko hari atarishyurwa muri ubu buryo: - Inyungu zitishyuwe (intérêts dus impayés): 16.330.512 Frw - umwenda remezo ugeze igihe utarishyuwe (principal dû impayé): 21.176.851 Frw - umwenda remezo usigaye kwishyurwa (principal restant dû): 158.026.275 Frw [14] Umuhanga yanzura kuri uwo mwenda avuga ko yabonye ikinyuranyo cya 2.742.318 Frw yishyuzwa na COGEBANQUE, kuko umwenda yagombaga kuregera tariki ya 03/11/2010 ari 221.248.627 Frw aho kuba 223.990.855 Frw. [15] Ku birebana n’amasezerano y’ubwishingire (cautions), RUKUNDO MUSABYIMANA avuga ko yasanze COGEBANQUE yarazitanze mu buryo bukurikira: - Ubwishingire bwo gupiganira amasoko (caution de soumission): 69.890.266 Frw; - Ubwishingire bwo gutangira imirimo (caution de démarrage): 166.072.307 Frw;

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- Ubwishingire bwo kurangiza neza imirimo (caution de bonne fin): 88.245.536 Frw; Yose hamwe: 324.208.109 Frw. [16] Yasanze ubwishingire COGEBANQUE yishyuza NAYANDI buhwanye na 59.890.859 Frw yatanze ku masoko atandukanye, nyamara ubwari bugifite agaciro ubwo yaregaga buhwanye na 38.861.470 Frw, hakaba rero harimo ikinyuranyo cya 21.029.389 Frw mu buryo bukurikira: - Ubwishingire bwo gutangira imirimo (caution de démarrage): 7.933.000 Frw aho kuba 23.600.836 Frw; - Ubwishingire bwo kurangiza neza imirimo: 30.928.470 Frw aho kuba 36.290.023 Frw. [17] Avuga ko kuri buri masezerano y’ubwishingire (caution) yagiye asuzuma igihe yagombaga kumara (date d’échéance), ko hatanzwe inyandiko ya “délivrance caution”, ko habaye kumurika by’agateganyo (réception provisoire) cyangwa burundu (réception définitive) imirimo yakozwe, na komisiyo zumvikanyweho (taux de la commission), ko ariko hari igihe atabonaga igihe isoko ryafunguriwe, igihe “caution” izamara cyangwa inyandiko ya “délivrance caution”, maze agerageza kubara amafaranga ya komisiyo zose COGEBANQUE yagombaga kubona, asanga hari aho yagiye ibara amafaranga menshi, ahandi ibara make, asanga harimo ikinyuranyo kingana na 5.550.268 Frw kuko yishyuza komisiyo zihwanye na 30.199.855 Frw aho kuba 24.649.587 Frw. [18] Umuhanga akomeza avuga ko yakoze igenzura kuri konti ya NAYANDI asanga yarishyuye mu by’ukuri komisiyo zingana na

36.674.124 Frw aho kuba 30.199.855 Frw, hakaba harimo ikinyuranyo cya (36.674.124 Frw - 30.199.855 Frw) + 5.550.268 Frw = 12.024.537 Frw aho kuba icya 5.550.268 Frw gusa kimaze kuvugwa haruguru, agerageza kubikosora abona ko mu kubara komisiyo nke (sous-estimations) ubundi ikabara nyinshi (surestimations) hari inyungu zihwanye na 110.840 Frw yagombye kuba yarabonye, bituma ikinyuranyo kigabanyuka kikaba 12.024.537 Frw - 110.840 Frw = 11.913.697 Frw. [19] Asoza avuga ko amaze gukosora ibyo byose yasanze muri rusange umwenda NAYANDI agomba kwishyura COGEBANQUE tariki ya 17/06/2014 ubwo yatangaga raporo ye ugeze kuri 255.401.906 Frw, ni ukuvuga 267.315.963 Frw - 11.913.697 Frw ya komisiyo nyinshi yishyuye kuzo yagombaga kwishyura ku bwishingire bw’amasoko yakoze. [20] Ku kibazo cyo kumenya niba ubwishingire (cautions) bubarwa nk’umwenda, RUKUNDO MUSABYIMANA avuga ko ari “crédit sur signature“, bisobanuye ko ari urupapuro gusa Banki iha umuntu yemera ko imwishingiye, bakumvikana komisiyo izajya imwishyuza mu gihe ubwo bwishingire bugifite igihe. Avuga ko ubwishingire yasanze butaragarurirwa inyandiko z’umwimerere (originaux) ari butanu buhwanye na 23.517.170 Frw atabariye komisiyo kuko atazi neza niba akazi katararangiye. [21] Me NKURUNZIZA uburanira NAYANDI avuga ko NAYANDI yatanze ikirego avuga ko COGEBANQUE yabaze nabi umwenda ayibereyemo, no kuba yarafashe nk’umwenda ayibereyemo ubwishingire (cautions) yamuhaye kuva mu mwaka wa 2002 nk’uko bigaragara kuri konti, urukiko rugashyiraho umuhanga akagaragaza ko umwenda wishyuzwa ari

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221.248.627 Frw ubazwe kugera tariki ya 03/10/2010 umunsi COGEBANQUE yamureze aho kuba 283.821.714 Frw, akanagaragaza amakosa iyo banki yakoze, bivuze ko ikirego cye cyari gifite ishingiro, ariko urukiko ntirwayica indishyi yasabye zingana na 30.000.000 Frw, ntirwanagira icyo ruvuga kuri icyo kibazo cy’ubwishingire bwafashwe nk’umwenda. [22] Yongeraho ko kuba Banki yarabaze nabi umwenda NAYANDI ayibereyemo byamwangirije kuko yabihereyeho igateza cyamunara umutungo we ugizwe n’inzu (vente par voie parée) kandi bitari ngombwa. [23] Akomeza avuga na none ko NAYANDI yanengaga ko COGEBANQUE yakomeje kubara no kwiyishyura komisiyo ku bwishingire yamuhaye kandi zari zararengeje igihe, ariko urukiko ruvuga ko nta kimenyetso yatanze ko ubwo bwishingire bwari bufite igihe cy’iminsi 90 kandi icyo gihe giteganyijwe kuri buri caution iri muri dosiye. Urukiko kandi ngo rwavuze ko NAYANDI atagaragaje ko yarangije imirimo y’amasoko yatsindiye kandi ba nyirayo barashyize kuri konti ye amafaranga bamwishyuye kugeza imirimo yakiriwe burundu (réception définitive). [24] Ku kibazo cyo kumenya niba umwenda 255.401.906 Frw nk’uko wagaragajwe n’umuhanga washyizweho n’urukiko NAYANDI awemera, Me NKURUNZIZA avuga ko awemera. [25] Me MUNYANGABE uburanira COGEBANQUE avuga ko ubujurire bwa NAYANDI nta shingiro bufite kubera ko NAYANDI afitiye imyenda myinshi banki yashyizwe hamwe, umuhanga akaba

yarerekanye ko igihe yaregwaga (dénonciation du crédit) umwenda wari ugeze kuri 221.248.647 Frw aho kuba 223.990.855 Frw, akaba asanga umuhanga yarakoze igikorwa cye neza agaragaza ko ubwo yatangaga raporo umwenda asigayemo ugeze kuri 255.401.906 Frw, urukiko rukaba rugomba kumutegeka kuyishyura hamwe na 23.517.170 y’amafaranga yishingiwe (cautions) asigaye nk’uko byemejwe n’Urukiko Rukuru rw’Ubucuruzi. [26] Naho ku kibazo cya “cautions“ na “commissions“, uburanira COGEBANQUE Ltd avuga ko NAYANDI atabasha kuvuguruza ibyo umuhanga yasobanuye, ko ndetse n’urukiko rwabivuzeho mu gace ka 17 n‘aka 18 k’ikiza ry’urubanza. [27] Ku byerekeye indishyi zisabwa na NAYANDI, uburanira COGEBANQUE avuga ko ntazo akwiye guhabwa kuko ahubwo ari we ufitiye umwenda Banki adashaka kwishyura. UKO URUKIKO RUBIBONA: [28] Ku byerekeye itangwa ry’indishyi, ingingo ya 258 y’igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano (CC L.III) iteganya ko “igikorwa cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse”. [29] Iyo ngingo yumvikanisha ko kugira ngo hatangwe indishyi, aruko ikosa ryabaye hari icyo ryangije. [30] Urukiko rurasanga COGEBANQUE na NAYANDI bemera uko umuhanga yabaze umwenda, uko yakosoye amakosa yakozwe na COGEBANQUE mu kubara umwenda na

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komisiyo yagombaga gufata ku masezerano y’ubwishingire bw’amasoko atandukanye, akanzura avuga ko NAYANDI ayibereyemo umwenda ungana na 255.401.906 Frw tariki ya 17/06/2014. [31] Urukiko rurasanga ariko, NAYANDI usaba COGEBANQUE indishyi zingana na 30.000.000 Frw atagaragaza icyo yamwangirije kubera ko umutungo we watejwe cyamunara hakurikijwe amasezerano y’umwenda bagiranye, icyo gihe haba cyamunara akaba atari yarishyuye umwenda, n’ubu kandi akaba yemera ko hari angana na 255.401.906 Frw atarishyurwa, akaba rero ntazo agomba kugenerwa. [32] Ku byerekeye ubwishingire (cautions) na komisiyo (commissions) zagombaga kwishyurwa, urukiko rurasanga, nk’uko umuhanga washyizweho n’urukiko yabisobanuye, NAYANDI yarishyuye COGEBANQUE komisiyo nyinshi zirengaho 11.913.697 Frw kuzo yagombaga kwishyura iyo izibara neza. Urukiko rusanga kandi ubwishingire yahawe na banki butagomba gufatwa nk’umwenda ayibereyemo kuko itagaragaza ko hari amafaranga yamwishyuriye ku masoko yaba atarakoze neza cyangwa ntayarangize, ngo noneho ihindukire iyamwishyuze, bityo ubwishingire buhwanye na 23.517.170 Frw bw’amasoko atanu umuhanga avuga ko nta kizere afite ko atarangiye, NAYANDI akaba atagomba kuyishyura nk’umwenda nk’uko yari yabitegetswe n’Urukiko Rukuru rw’Ubucuruzi. b. Amafaranga y’ikuriranarubanza, igihembo cya Avoka n’icy’umuhanga [33] Me NKURUNZIZA avuga ko ubujurire bwa NAYANDI bufite ishingiro,

akaba agomba guhabwa 1.000.000 Frw y’ikurikiranarubanza n’igihembo cya Avoka kuri uru rwego. [34] Me MUNYANGABE we avuga ko NAYANDI ariwe ugomba guha COGEBANQUE 3.000.000 Frw yiyongera kuri 1.000.000 Frw yaciwe n’Urukiko Rukuru rw’Ubucuruzi kubera ko ubujurire bwe nta shingiro bufite. [35] RUKUNDO MUSABYIMANA Innocent avuga ko amaze gushyirwaho n’urukiko, tariki ya 30/01/2014 rwemeje ko igiciro cya “expertise“ ari 5.900.000 Frw (TVA incluse) buri wese agatanga 50%, nyuma akazishyurwa n’uzatsindwa, ko mbere yo gutangira, buri wese mu baburanyi yagombaga gutanga “avance“ ya 1.475.000 Frw ariko NAYANDI ntiyayamuha. Me NKURUNZIZA avuga ko yari azi ko uwo aburanira yishyuye. UKO URUKIKO RUBIBONA: [36] Urukiko rurasanga ubujurire bwa NAYANDI bufite ishingiro kuri bimwe kuko n’ubwo umwenda we wabazwe nabi nk’uko yabiregeye, ariko kandi nta ndishyi agenewe nk’uko byavuzwe haruguru, kandi agomba kwishyura umwenda usigaye, akaba rero atagenerwa amafaranga y’ikurikiranarubanza n’igihembo cya Avoka. Ku rundi ruhande, COGEBANQUE nayo ntiyagenerwa amafaranga y’ikurikiranarubanza n’igihembo cya Avoka kuko hari ibyo itsindiwe ko yabaze nabi umwenda. [37] Ku byerekeye igihembo cy’umuhanga washyizweho n’urukiko, urukiko rurasanga ababuranyi bombi bagomba gufatanya kukimwishyura kuko buri wese hari ibyo atsindiye n’ibyo

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atsindiwe, umwe agatanga 50% y’igiciro cya “expertise” kingana na 5.900.000 Frw cyemejwe n’Urukiko Rukuru rw’Ubucuruzi mu cyemezo kibanziriza ikindi cyo kuwa 30/01/2014, ni ukuvuga 5.900.000 Frw : 2 = 2.950.000 Frw, buri wese ahereye kuyo yishyuye mbere (avance). III. ICYEMEZO CY’URUKIKO [38] Rwemeje ko ubujurire bwa NAYANDI Abraham bufite ishingiro kuri bimwe; [39] Rutegetse NAYANDI Abraham kwishyura COGEBANQUE 255.401.906 Frw y’umwenda ayisigayemo; [40] Rutegetse NAYANDI Abraham na COGEBANQUE gufatanya kwishyura umuhanga RUKUNDO MUSABYIMANA Innocent 5.900.000 Frw, buri wese agatanga 2.950.000 Frw ahereye kuyo yamaze kumuha; [41] Rutegetse NAYANDI Abraham na COGEBANQUE gufatanya kwishyura 100.000 Frw y’amagarama y’urubanza.