NYIRAMANYANA v. GT BANK RWANDA Ltd

# NYIRAMANYANA v. GT BANK RWANDA Ltd

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2015-05-22 - Case/document no.: R.COMA 0067/15/HCC - Collection: Commercial High Court

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NYIRAMANYANA v. GT BANK RWANDA Ltd [Rwanda URUKIKO RUKURU RW’UBUCURUZI – R.COMA 0067/15/HCC (Nsengiyumva, P.J.) 22 Gicirasi 2015] Amategeko agenga ibimenyetso – Ibimenyetso by’umwenda – Umwenda uregrerwa ni uwukuri kuko hari ibimenyetso biwugaragaza birimo historique za Bank ndetse n’amasezerano atandukanye – Itegeko N° 15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, ingingo ya 3 Amategeko agenga amasezerano – Amasezerano y’inguzanyo – Ntiyakwanga kwishyura umwenda yishyuzwa yitwaje ko umubare yishyuye urenze uwo yishyuzwa igihe atabigaragariza ibimenyetso kandi akaba yarabaze ayo agomba kwishyura yirengagije inyungu – Itegeko N° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano, ingingo 64. Indishyi – Indishyi z’akababaro n’igihembo cy’Avoka – Ntiyazigenerwa kuko ubujurire bwe nta shingiro bufite; ahubwo niwe ugomba igihembo cy’Avoka kuko ubwo bujurire bwatumye urundi ruhande rwiyambaza avoka ukora imirimo imhemberwa – Itegeko ryo kuwa 30/07/1888 rigenga amasezerano cyangwa imirimo nshinganwa, ingingo ya 258. Amategeko agenga agenga amasezerano – Amasezerano y’ubwishingire – Gufatanya kwishyura – Uwishingiye agomba gufatanya kwishyura n’uwafashe umwenda kuko yamwishingiye ku bufatanye bw’umwenda – Itegeko ryo ku wa 30/07/1888 rigenga amasezerano cyangwa imirimo nshinganwa, ingingo ya 560. Incamake y’ikibazo: Nyiramanyana Chantal hamwe n’umwishingizi we Kagemanyi Mpabuka Léonard barezwe na GT BANK RWANDA Ltd ibasaba kuyishyura umwenda n’indishyi zitandukanye. Bategetswe kwishyura 90.327.718Frw no gufatanya kuyisubiza Frw 50.000frw y’ingwate y’amagarama y’urubanza yatanze irega. Nyiramanyana Chantal yajuriye mu Rukiko Rukuru rw’Ubucuruzi avuga ko Urukiko rw’Ubucuruzi rwirengagije ko ku mwenda wa 78.167.214 Frw hasigayemo Frw 2.046.468 Frw kuko yari yemeye uwo mwenda atazi ko 18.000.000 Frw atatanzwe. NYIRAMANYANA Chantal asaba urukiko ko rusanze Frw 18.000.000 DS Pharmaceutics yarazihawe rwagaragaza amafaranga asigaje kwishyura hibanzwe kuyamaze kwishyurwa, rugategeka GT BANK RWANDA Ltd kumwishyura indishyi z’akababaro zo kumusebya ko atayishyuye kandi yarishyuye n’igihembo cya avoka. GT BANK RWANDA Ltd yasubije ko Nyiramanyana Chantal aterekana amafaranga yayishyuye uretse kubivuga gusa mu magambo atabara ko yari afite ubukererwe kugera aho umwenda remezo wageze kuri 53.530.926 n’inyungu za Frw 23.477.794 Frw. GT BANK RWANDA Ltd isaba ko Nyiramanyana Chantal n’umwishingizi we bategekwa kwishyura 98.129.697,75 Frw n’igihembo cy’Avoka. Incamake y’icyemezo: 1. Umwenda uvugwa ni uw’ukuri kuko nta hatabayeho kwibeshya mu gukora amasezerano yo kuwa 10/12/2009 yemera kwishyura umwenda wa DS Pharmaceutics wa Frw 66.283.653 kuko harimo na Frw 18.000.000 ya « ligne de crédit » kubera ko DS Pharmaceutics yari yarayahawe ajya kuri konti ya AVVAIS ASBL.

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2. Agomba kwishyura GT BANK RWANDA Ltd Frw 98.129.697,75 imwishyuza kuko ibyo avuga ko yarengeje ayo aba amaze kwishyura nta shingiro bifite kuko afata ko nta nyungu agomba kwishyura kandi atagaragaza aho yaba yaragiye yishyura amafaranga menshi atagombaga kwishyura igihe cyo kwishyura kigeze. 3. Ntiyagenerwa indishyi z’akababaro n’igihembo cy’avoka kuko Urukiko rwasanze agomba kwishyura umwenda wose yishyuzwa. Ahubwo niwe ugomba gutanga icyo gihembo kuko ubujurire bwe bwatumye urundi ruhande rwiyambaza Avoka ukora imirimo ihemberwa. 4. KAGEMANYI Mpabuka Léonard agomba gufatanya na NYIRAMANYANA Chantal kwishyura GT BANK RWANDA Ltd kuko yamwishingiye ku bufatanye bw’umwenda (caution solidaire) kandi ubwishyu bushobora guhita bushaka mu mitungo ya KAGEMANYI Mpabuka Léonard. Ubujurire nta shingiro bufite. Ubujurire bwuririye ku bundi bufite ishingiro. 18.000.000Frw yahawe DS Pharmaceutics kandi Nyiramanyana yemeye kuwishyura. Uwajuriye ategetswe kwishyura umwenda wose n’amafaranga y’igihembo cy’Avoka. Umwishingizi ategetswe gufatanya n’umwo yishingiye kwishyura umwenda. Urubanza ntiruhindutse uretse ku mwenda n’igihembo cy’Avoka. Amategeko yashingiweho Itegeko N° 21/2012 ryo kuwa 14/06/2012 ryerekeye ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo za 4, 7, 167 na 212. Itegeko N° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano, ingingo ya 49 na 64. Itegeko N° 15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, ingingo ya 3. Itegeko N°32/2009 ryo kuwa 18/11/2009 ryerekeye inyandiko zishobora gucuruzwa, ingingo ya 124 Itegeko ryo ku wa 30/07/1888 rigenga amasezerano cyangwa imirimo nshinganwa, ingingo ya 258 na 560. Nta manza zifashishijwe Urubanza I. IMITERERE Y’URUBANZA [1] NYIRAMANYANA Chantal yajuririye urubanza R.Com 0583/14/TC/Nyge rwaciwe n’Urukiko rw’Ubucuruzi rwa Nyarugenge GT BANK RWANDA Ltd irumuregamo n’umwishingizi we KAGEMANYI Mpabuka Léonard umwenda n’indishyi zinyuranye,

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rubategeka gufatanya kuyishyura Frw 90.327.718 no gufatanya kuyisubiza Frw 50.000 y’ingwate y’amagarama y’urubanza yatanze irega. Kuwa 04/03/2015, 15/04/2015 na 29/04/2015 haba mu ruhame iburanisha, NYIRAMANYANA Chantal na KAGEMANYI Mpabuka Léonard bahagarariwe na Maître RWAGITARE Fred, GT BANK RWANDA Ltd ihagarariwe na Maître BIMENYIMANA Eric. Maître RWAGITARE Fred avuga ko NYIRAMANYANA Chantal yajuriye kugira ngo urukiko rumukurire ku mwenda remezo Frw 18.000.000 ya « ligne de crédit » kuko yiyemeza kwishyura umwenda wari warafashwe na DS Pharmaceutics ugahuzwa n’uwo yarimo bakavuga ko umwenda arimo ungana na Frw 78.167.214 yaje gusanga ariya mafaranga ya « ligne de crédit » atarasabwe, itaranayihawe. Maître RWAGITARE Fred avuga ko NYIRAMANYANA Chantal yajuriye kuko urukiko rwirengagije ko ku mwenda wa Frw 78.167.214 asigayemo umwenda ungana na Frw 2.046.468 kuko yari yawemeye atazi ko Frw 18.000.000 atatanzwe, umwenda ukaba ari Frw 60.167.214 kandi amaze kwishyura Frw 58.120.746, akaba yararengeje ayo yari kuba yarishyuye kuko inguzanyo azarangiza kuyishyura mu mwaka wa 2016. Maître RWAGITARE Fred avuga ko NYIRAMANYANA Chantal asaba urukiko ko rusanze Frw 18.000.000 DS Pharmaceutics yarazihawe rwagaragaza amafaranga asigaje kwishyura hibanzwe kuyamaze kwishyurwa, rugategeka GT BANK RWANDA Ltd kumwishyura indishyi z’akababaro zo kumusebya ko atayishyuye kandi yarishyuye n’igihembo cya avoka. Maître RWAGITARE Fred avuga ko KAGEMANYI Mpabuka Léonard adahakana ko ari umwishingizi wa NYIRAMANYANA Chantal ariko na we atemera uko umwenda wabazwe. Maître BIMENYIMANA Eric avuga ko umwenda wa Frw 18.000.000 wemezwa n’amasezerano yakozwe na FINA BANK yabaye GT BANK RWANDA Ltd na DS Pharmaceutics, inyandiko ya « billet à ordre » DS Pharmaceutics yanditse iwemera, inyandiko yemerera banki kuyakura kuri konti ya DS Pharmaceutics agashyirwa kuri konti ya Association AVVAIS ASBL iyoborwa na NYIRAMANYANA Chantal na historique ya konti n° 221905008 ya AVVAIS ASBL ibigaragaza ko byakozwe kuwa 31/10/2008 kandi NYIRAMANYANA Chantal waguze umwenda atawuhakana kandi DS Pharmaceutics yawuhawe iwemera na mbere yo kuwugura yari yarawishingiye. Maître BIMENYIMANA Eric avuga ko NYIRAMANYANA Chantal aterekana amafaranga yishyuye GT BANK RWANDA Ltd irayirengagiza cyangwa urukiko rurayirengagiza uretse kuvuga ngo yishyuye Frw 58.120.746 atabara ko yarafite ubukererwe kandi aheruka kwishyura kuwa 16/07/2013 kandi GT BANK RWANDA Ltd yarahaye agaciro amafaranga yishyuye kubera ko kuwa 09/04/2010 yakoze amasezerano y’umwenda wa Frw 78.167.214 yagombaga kwishyura mu mezi 72 buri kwezi yishyura Frw 1.872.326, umwenda wose ukaba Frw 134.807.472 hatarimo ubukererwe, bigera kuwa 04/10/2012 yarananiwe kwishyura kuko yaramaze kwishyura amezi 17 ku mezi 30 asaba kuvugurura amasezerano umwenda remezo uba Frw 53.530.926 n’inyungu za Frw 23.477.794. Maître BIMENYIMANA Eric avuga ko GT BANK RWANDA Ltd isaba ko NYIRAMANYANA Chantal ategekwa gufatanya na KAGEMANYI Mpabuka Léonard wamwishingiye kuyishyura umwenda ungana na Frw 98.129.697,75 n’igihembo cya avoka. Maître RWAGITARE Fred avuga ko NYIRAMANYANA Chantal atemera ko Frw 18.000.000 yashyizwe kuri konti ya DS Pharmaceutics kuko inyandiko yiswe autorisation de débit atari umwimerere ngo urukiko rusuzume imikono y’abantu bose bagomba kwemeza ko amafaranga atangwa kandi ibyo ivuga bitari ukuri kuko DS Pharmaceutics itari kuvuga ngo amafaranga akurwe kuri konti ya AVVAIS ASBL atari iyayo, ikindi historique ya konti igaragaza ko yagiye kuri konti AVVAIS ASBL ikaba nta gaciro yagira kuko aho bavuga impamvu yo gushyiraho amafaranga bavuga ko iri ibikorwa binyuranye (écritures diverses) aho kuvuga icyo yaragenewe. [2] Ibibazo urukiko rugomba gusuzuma muri uru rubanza ni ibi bikurikira :

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- niba DS Pharmaceutics itarahawe inguzanyo ya « ligne de crédit » ya Frw 18.000.000, NYIRAMANYANA Chantal akaba atagomba kuyishyura ; - niba NYIRAMANYANA Chantal agomba kwishyura umwenda wa Frw 78.167.214 cyangwa wa Frw 60.167.214 nta nyungu zisanzwe zibariwemo, nta n’ibirarane bibariwemo kugira ngo abe asigayemo umwenda wa Frw 2.046.468 ; - niba NYIRAMANYANA Chantal asigayemo umwenda wa Frw 98.129.697,75 ; - niba indishyi z’akababaro n’igihembo cya avoka zikwiriye ; - niba KAGEMANYI Mpabuka Léonard nk’umwishingizi agomba gufatanya na NYIRAMANYANA Chantal kwishyura. II. ISESENGURA RY’IBIBAZO BISUZUMWA MU RUBANZA 1. Ku byerekeye kudaha DS Pharmaceutics inguzanyo ya « ligne de crédit » ya Frw 18.000.000 no kutayishyuza NYIRAMANYANA Chantal [3] Ingingo ya 3 y’Itegeko n° 15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ko buri muburanyi agomba kugaragaza ukuri kw’ibyo avuga. Ingingo ya 49 y’Itegeko n° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano iteganya ko ikosa ry’uruhande rumwe mu kwibeshya rishingiye kuko rutashoboye kumenya cyangwa kuvumbura ibyabaye mbere y’uko amasezerano akorwa bitarubuza gutesha agaciro amasezerano cyangwa gusaba kuyasubiramo, keretse iyo amakosa aturuka ku buriganya kubera ko hatakurikijwe ibyangombwa rusange bigenderwaho mu gukora amasezerano. Ingingo ya 124 y’Itegeko n° 32/2009 ryo kuwa 18/11/2009 ryerekeye inyandiko zishobora gucuruzwa iteganya ko inyandiko nsezeranyabwishyu ari amasezerano atavuguruzwa yanditse ashyirwaho umukono n’uwasezeranye kwishyura wiyemeje kwishyura nta yindi mpamvu, igihe abisabwe cyangwa mu gihe cyateganyijwe, umubare w’amafaranga yishyurwa umuntu uzwi neza yanditseho cyangwa uyitwaje wese nyirukuyitanga yashyizeho umukono inyuma. [4] Maître RWAGITARE Fred avuga ko NYIRAMANYANA Chantal yajuriye kugira ngo urukiko rumukurire ku mwenda remezo Frw 18.000.000 ya « ligne de crédit » kuko yiyemeza kwishyura umwenda wari warafashwe na DS Pharmaceutics ugahuzwa n’uwo yarimo bakavuga ko umwenda arimo ungana na Frw 78.167.214 yaje gusanga ariya mafaranga ya « ligne de crédit » itarasabwe, itaranayihawe. [5] Maître BIMENYIMANA Eric avuga ko umwenda wa Frw 18.000.000 wemezwa n’amasezerano yakozwe na FINA BANK yabaye GT BANK RWANDA Ltd na DS Pharmaceutics, inyandiko ya « billet à ordre » DS Pharmaceutics yanditse iwemera, inyandiko yemerera banki kuyakura kuri konti ya DS Pharmaceutics agashyirwa kuri konti ya Association AVVAIS ASBL iyoborwa na NYIRAMANYANA Chantal na historique ya konti n° 221905008 ya AVVAIS ASBL ibigaragaza ko byakozwe kuwa 31/10/2008 ava kuri konti n° 113500018 ya DS Pharmaceutics kandi NYIRAMANYANA Chantal waguze umwenda atawuhakana kandi DS Pharmaceutics yawuhawe iwemera na mbere yo kuwugura yabanje guhabwa ibisobanuro akaba yari yaranawishyingiye, akaba atari kuwishingira udahari.

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[6] Maître RWAGITARE Fred avuga ko NYIRAMANYANA Chantal atemera ko Frw 18.000.000 yashyizwe kuri konti ya DS Pharmaceutics kuko inyandiko yiswe « autorisation de débit » atari umwimerere ngo urukiko rusuzume imikono y’abantu bose bagomba kwemeza ko amafaranga atangwa kandi ibyo ivuga bitari ukuri kuko DS Pharmaceutics itari kuvuga ngo amafaranga akurwe kuri konti ya AVVAIS ASBL atari iyayo, ikanaba yarakozwe kuwa 21/10/2008 amasezerano atarakorwa kuko yakozwe kuwa 31/10/2008, ikindi historique ya konti igaragaza ko yagiye kuri konti AVVAIS ASBL ikaba nta gaciro yagira kuko aho bavuga impamvu yo gushyiraho amafaranga bavuga ko iri ibikorwa binyuranye (écritures diverses) aho kuvuga icyo yaragenewe. [7] Urukiko rusanga kuba inyandiko ya DS Pharmaceutics yo kuwa 21/10/2008 ivuga ko yemeye ko Frw 18.000.000 akurwa kuri konti ya AVVAIS ASBL agashyirwa kuri konti yayo idahura n’ibyo GT BANK RWANDA Ltd ivuga ko bivuga ko ayo mafaranga ava kuri konti ya DS Pharmaceutics ajya ku ya AVVAIS ASBL bidahamya ko kuwa 31/10/2008 ayo mafaranga atavuye kuri konti n° 113500018 ya DS Pharmaceutics akajya kuri konti n° 221905008 ya AVVAIS ASBL kubera ko historique y’izo konti ibigaragaza kandi n’amasezerano yo kuwa 31/10/2008 agaragaza ko DS Pharmaceutics yatse iyo nguzanyo hari na « billet à ordre » yo kuwa 30/11/2008 yemera kwishyura ayo mafaranga kandi NYIRAMANYANA Chantal yemera iyo « billet à ordre » n’amasezerano, bityo akaba ataribeshye mu gukora amasezerano yo kuwa 10/12/2009 yemera kwishyura umwenda wa DS Pharmaceutics wa Frw 66.283.653 kuko harimo na Frw 18.000.000 ya « ligne de crédit » kubera ko DS Pharmaceutics yari yarayahawe ajya kuri konti ya AVVAIS ASBL, uwo mwenda rero ukaba ari uw’ukuri. 2. Ku byerekeye kwishyura umwenda wa Frw 78.167.214 cyangwa wa Frw 60.167.214 nta nyungu zibariwemo, nta n’ibirarane bibariwemo kugira ngo NYIRAMANYANA Chantal abe asigayemo umwenda wa Frw 2.046.468 cyangwa gusigaramo umwenda wa Frw 98.129.697,75 [8] Ingingo ya 64 y’Itegeko n° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano iteganya ko amasezerano akozwe ku buryo bukurikije amategeko aba itegeko ku bayagiranye, ko agomba kubahirizwa nta buryarya. Ingingo ya 167 y’Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi nk’uko ryahinduwe kandi ryujujwe kugeza ubu iteganya ko uregwa mu rukiko rujuririrwa ashobora na we kujurira yuririye ku bujurire bw’urega. [9] Maître RWAGITARE Fred avuga ko NYIRAMANYANA Chantal yajuriye kuko urukiko rwirengagije ko ku mwenda wa Frw 78.167.214 asigayemo umwenda ungana na Frw 2.046.468 kuko yari yawemeye atazi ko Frw 18.000.000 atatanzwe, umwenda ukaba ari Frw 60.167.214 kandi amaze kwishyura Frw 58.120.746, akaba yararengeje ayo yari kuba yarishyuye kuko inguzanyo azarangiza kuyishyura mu mwaka wa 2016. [10] Maître RWAGITARE Fred avuga ko NYIRAMANYANA Chantal asaba urukiko ko rusanze Frw 18.000.000 DS Pharmaceutics yarazihawe rwagaragaza amafaranga asigaje kwishyura hibanzwe kuyamaze kwishyurwa. [11] Maître BIMENYIMANA Eric avuga ko NYIRAMANYANA Chantal aterekana amafaranga yishyuye GT BANK RWANDA Ltd irayirengagiza cyangwa urukiko

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rurayirengagiza uretse kuvuga ngo yishyuye Frw 58.120.746 atabara ko yarafite ubukererwe kandi aheruka kwishyura kuwa 16/07/2013 kandi GT BANK RWANDA Ltd yarahaye agaciro amafaranga yishyuye kubera ko kuwa 09/04/2010 yakoze amasezerano y’umwenda wa Frw 78.167.214 yagombaga kwishyura mu mezi 72 buri kwezi yishyura Frw 1.872.326, umwenda wose ukaba Frw 134.807.472 hatarimo ubukererwe, bigera kuwa 04/10/2012 yarananiwe kwishyura kuko yaramaze kwishyura amezi 17 ku mezi 30 asaba kuvugurura amasezerano umwenda remezo uba Frw 53.530.926 n’inyungu za Frw 23.477.794. [12] Maître BIMENYIMANA Eric avuga ko GT BANK RWANDA Ltd isaba ko NYIRAMANYANA Chantal ategekwa kuyishyura umwenda ungana na Frw 98.129.697,75 abazwe kugeza kuwa 31/01/2015. [13] Urukiko rusanga NYIRAMANYANA Chantal afata umwenda wa Frw 78.167.214 yemeye kuwa 05/04/2010 ku nyungu zisanzwe za 20 % n’iz’ubukererwe za 2 % ziyongera ku nyungu zisanzwe yishyura Frw 1.872.326 ku kwezi, agafata na Frw 18.000.000 ya « ligne de crédit » yahawe DS Pharmaceutics kandi atagomba kuva muri uwo mwenda agakuraho Frw 58.120.746 yishyuye atabaze inyungu zisanzwe n’iz’ubukererwe nk’uko ziri mu masezerano akavuga ko asigayemo umwenda ungana na Frw 2.046.468 yirengagije ko habarwa n’izo nyungu zose, bityo kuwa 05/04/2010 akaba yarasezeranye kwishyura umwenda remezo wa Frw 78.167.214, akaba agomba kwishyura GT BANK RWANDA Ltd Frw 98.129.697,75 imwishyuza kuko ibyo avuga ko yarengeje ayo aba amaze kwishyura nta shingiro bifite kuko afata ko nta nyungu agomba kwishyura kandi atagaragaza aho yaba yaragiye yishyura amafaranga menshi atagombaga kwishyura igihe cyo kwishyura kigeze kandi akaba aheruka kwishyura kuwa 16/07/2013 nk’uko historique ya konti ibigaragaza kubera ko ingingo ya 4 y’amasezerano iteganya ko kutayubahiriza bituma yishyuzwa umwenda wose usigaye kwishyurwa. 3. Ku byerekeye kwishyura indishyi z’akababaro n’igihembo cya avoka [14] Ingingo ya 258 y’igitabo cya mbere cy’urwunge rw’amategeko y’imbonezamubano ibyerekeye imirimo nshinganwa cyangwa amasezerano iteganya ko igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse. [15] Maître RWAGITARE Fred avuga ko NYIRAMANYANA Chantal asaba ko urukiko rutegeka GT BANK RWANDA Ltd kumwishyura indishyi z’akababaro zo kumusebya ko atayishyuye kandi yarishyuye zingana na Frw 2.000.000 n’igihembo cya avoka kingana na Frw 2.000.000. [16] Maître BIMENYIMANA Eric avuga ko GT BANK RWANDA Ltd isaba ko NYIRAMANYANA Chantal ategekwa kuyishyura igihembo cya avoka ku rwego rw’ubujurire kingana na Frw 1.000.000. [17] Urukiko rusanga nta ndishyi z’akababaro n’igihembo cya avoka NYIRAMANYANA Chantal akwiriye guhabwa na GT BANK RWANDA Ltd kuko rwasanze agomba kuyishyura umwenda ayirimo, rusanga ahubwo ari we ugomba kuyishyura igihembo cya avoka mu bujurire kingana na Frw 500.000 kuko kujurira kwe kwatumye yiyambaza avoka kandi imirimo ye irahemberwa, ariko akaba agenwe mu bushishozi bwarwo kuko ayatswe ari menshi. 4. Ku byerekeye kwishyura bikozwe n’umwishingizi

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[18] Ingingo ya 560 y’igitabo cya mbere cy’urwunge rw’amategeko y’imbonezamubano ibyerekeye imirimo nshinganwa cyangwa amasezerano iteganya ko uwishingiye undi ashinzwe kwishyura ugomba kwishyurwa gusa iyo ugomba kwishyura atashoboye kubikora, ko ubwishyu bugomba kubanza gushakwa mu bintu by’ugomba kwishyura, keretse uwamwishingiye yariyemereye kuzahita yishyura bitabaye ngombwa ko ubwishyu bubanza gushakwa mu bintu by’ugomba kwishyura cyangwa na none yariyemeje ubufatanye bw’umwenda n’ugomba kwishyura w’iremezo. [19] Maître BIMENYIMANA Eric avuga ko GT BANK RWANDA Ltd isaba ko NYIRAMANYANA Chantal ategekwa gufatanya na KAGEMANYI Mpabuka Léonard wamwishingiye kuyishyura. [20] Maître RWAGITARE Fred avuga ko KAGEMANYI Mpabuka Léonard adahakana ko ari umwishingizi wa NYIRAMANYANA Chantal ariko na we atemera uko umwenda wabazwe. [21] Urukiko rusanga KAGEMANYI Mpabuka Léonard agomba gufatanya na NYIRAMANYANA Chantal kwishyura GT BANK RWANDA Ltd kuko yamwishingiye ku bufatanye bw’umwenda (caution solidaire) kandi ubwishyu bushobora guhita bushaka mu mitungo ya KAGEMANYI Mpabuka Léonard. III. ICYEMEZO CY’URUKIKO [22] RWEMEYE kwakira ubujurire bwatanzwe na NYIRAMANYANA Chantal ariko rwemeje ko nta shingiro bufite. [23] RWEMEYE kwakira ubujurire bwuririye ku bundi bwatanzwe na GT BANK RWANDA Ltd kandi rwemeje ko bufite ishingiro. [24] RWEMEJE ko Frw 18.000.000 ya « ligne de crédit » yahawe DS Pharmaceutics kandi ari mu masezerano yo kuwa 10/12/2009 NYIRAMANYANA Chantal yakoze yemera kwishyura umwenda wayo. [25] RWEMEJE ko NYIRAMANYANA Chantal yishyura GT BANK RWANDA Ltd umwenda wa Frw 98.129.697,75 n’igihembo cya avoka mu bujurire kingana na Frw 500.000, yose hamwe akaba Frw 98.629.697,75. [26] RWEMEJE ko KAGEMANYI Mpabuka Léonard afatanya na NYIRAMANYANA Chantal kwishyura GT BANK RWANDA Ltd kandi ubwishyu bushobora guhita bushaka mu mitungo ya KAGEMANYI Mpabuka Léonard. [27] RWEMEJE ko imikirize y’urubanza R.Com 0583/14/TC/Nyge idahindutse uretse ingano y’umwenda wiyongereye n’igihembo cya avoka kiyongereyeho mu bujurire. [28] RUTEGETSE NYIRAMANYANA Chantal kwishyura GT BANK RWANDA Ltd Frw 98.629.697,75 afatanyije na KAGEMANYI Mpabuka Léonard kandi ko ubwishyu bushobora guhita bushaka mu mitungo ya KAGEMANYI Mpabuka Léonard.

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[29] RUTEGETSE ko imikirize y’urubanza R.Com 0583/14/TC/Nyge idahindutse uretse ingano y’umwenda wiyongereye n’igihembo cya avoka kiyongereyeho mu bujurire. [30] RUTEGETSE ko ingwate y’amagarama y’urubanza ya Frw 75.000 NYIRAMANYANA Chantal yatanze ajurira iherera ku Isanduku ya Leta.