WHITEFIELD INVESTMENT COMPANY Ltd vs THOMAS ET PIRON GRANDS LACS, N’ABANDI.

# WHITEFIELD INVESTMENT COMPANY Ltd vs THOMAS ET PIRON GRANDS LACS, N’ABANDI.

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2024-11-29 - Case/document no.: RCOMAA 00024/2023/CA - Collection: Court of Appeal

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WHITEFIELD INVESTMENT COMPANY Ltd vs THOMAS ET PIRON GRANDS LACS, N’ABANDI. [Rwanda URUKIKO RW’UBUJURIRE – RCOMAA 00024/2023/CA (Munyangeri, P.J.) 29 Ugushyingo 2024] Amategeko agena ububasha bw’Inkiko – Ubujurire bwa kabiri – inzitizi – Agaciro k’ikiburanwa – Iyo hari indishyi zagenwe mu rubanza nizo zigomba gushingirwaho, naho byaba ngombwa ko hashingirwa ku gaciro k’ikiburanwa, hakarebwa agaciro kemejwe n’urukiko nyuma y’impaka z’ababuranyi, haba nta gaciro kagenwe n’inkiko hagashingirwa ku kagenwe n’umuhanga iyo bibaye ngombwa. Amategeko agena ububasha bw’Inkiko – Ubujurire bwa kabiri – Mu kumenya niba ubujurire bwatanzwe ari ubwa mbere cyangwa niba ari ubwa kabiri, harebwa urukiko urubanza rwatangiriyemo. Incamake y’ikibazo: Uru rubanza rwatangiye Whitefield Investment Company Ltd irega Thomas Et Piron Grands Lacs, Sengi Philippe, Equity Bank Rwanda Plc Na Legacy Xp Ltd mu Rukiko rw’Ubucuruzi irusaba gutegeka abaregwa kuvanaho ubugwate yashyize ku mutungo ufite UPI: 1/2/13/772. Whitefield Investment Company Ltd isobanura ko ikirego cyayo gikomoka ku rubanza RCOM00011/2020/CA, aho Urukiko rw’Ubujurire rwatesheje agaciro urubanza RC00393/2019/TGI/NYGE rwari rwategetse ko umutungo uburanwa wandikwa kuri Sengi Philippe, inkurikizi z’icyo cyemezo akaba ari uko uwo mutungo wari gusubizwa mu maboko ya Thomas Et Piron Grands Lacs Ltd nk’uko byari bimeze mbere, ko ariko Legacy Xp Ltd yari yarawutanzeho ingwate. Mu iburanisha, Whitefield Investment Company Ltd yamenyesheje Urukiko rw’Ubucuruzi ko aretse ikirego ariko isaba ko abaregwa bayiha indishyi z’ibyagiye ku rubanza. Thomas Et Piron Grands Lacs Ltd yireguye ivuga ko kuba Whitefield Investment Company Ltd yarayikuruye mu manza ivuga ko hari ubugwate nyamara nta buhari, idakwiye guhabwa indishyi. SENGI Philippe yireguye avuga ko nta cyo Whitefield Investment Company Ltd iregera (demande sans objet), kubera ko ubugwate yasabaga gukuraho butakiriho, kubera ko ikirego cyatanzwe ku wa 13/01/2022, ingwate yarandukuwe ku wa 16/12/2021, Equity Bank Rwanda Plc yireguye ivuga ko isanga itari ikwiye kuregwa muri uru rubanza kuko ubugwate buregerwa butakiriho. Isaba indishyi. Legacy XP Ltd yireguye ivuga ko Whitefield Investment Company Ltd ntacyo yaregeye (demande sans objet), isaba Urukiko kwemeza ko ntacyo iregera rutiriwe rujya mu mizi y’urubanza. Urukiko mu rubanza RCOM00125/2022/TC rushingiye ku ngingo ya 111 y’itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi iz’umurimo n’iz’ubutegetsi, rwemeje ko, ikirego cya Whitefield Investment Company Ltd, nta shingiro gifite; ko yishyura abaregwa indishyi z’ikurikiranarubanza n’igihembo cya Avoka. Whitefield Investment Company Ltd yajuririye urwo rubanza mu Rukiko Rukuru rw’Ubucuruzi, inenga Urukiko rw’Ubucuruzi kuba mu gufata icyemezo, rwarirengagije ko ari yo yagombaga guhabwa indishyi. Thomas Et Piron Grand Lacs Ltd, Sengi Philippe, Equity Bank Rwanda Plc na Legacy XP Ltd batanze inzitizi yo kuba Whitefield Investment Company Ltd itarubahirije ibihe byo kujurira. Ku bijyanye n’impamvu z’ubujurire za Whitefield Investment Company, abaregwa bireguye bavuga ko ubwo bujurire bugamije gutinza urubanza ku maherere. Ababuranyi bose bemeranya ko Urukiko ruzafata icyemezo rushingiye ku myanzuro bashyize muri dosiye. Urukiko mu rubanza RCOMA00298/2022/HCC rushingiye ku ngingo ya 83, iya 129, iya 148, iya 277, iya 111 n’iya 152 z’itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza

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z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ku ngingo ya 26 y’Amabwiriza N˚ 01/2014 agenga ibihembo mbonera by’Abavoka, rwemeje ko, inzitizi yatanzwe n’abaregwa ifite ishingiro; ko Whitefield Investment Company Ltd iha abaregwa amafaranga y’ikurukirana rubanza n’igihemembo cya avoka. Whitefield Investment Company Ltd yajuririye urwo rubanza mu Rukiko rw’Ubujurire, ubujurire bwayo bwandikwa kuri RCOMAA00024/2023/CA, maze nyuma y’imihango ntegurarubanza yose, hemezwa ko urubanza ruzaburanishwa ku wa 02/10/204, uwo munsi ntirwaburanishwa kubera izindi gahunda z’Urukiko, iburanisha rishyirwa ku wa 04/11/2024. Thomas Et Piron Grands Lacs Ltd, Sengi Philippe na Legacy XP Ltd n’uhagarariye Equty Bank Rwanda Plc batanze inzitizi y’iburabubasha bw’Urukiko rw’Ubujurire, ishingiye ku gaciro k’ikiburanwa. Whitefield Investment Company Ltd yireguye kuri iyo nzitizi avuga ko ubujurire bwayo buri mu bubasha bw’Urukiko rw’Ubujurire Urukiko rwabanje gusuzuma iyo nzitizi. Urukiko mu rubanza RCOMAA00024/2023/CA rwemeje ko inzitizi y’iburabubasha bw’Urukiko rw’Ubujurire ifite ishingiro kuko indishyi zagenwe mu rubanza rujuririrwa zitageze byibuze kuri miliyoni mirongo irindwi n’eshanu (75,000,000Frw) ziteganywa n’Itegeko. Incamake y’icyemezo: 1. Mu kumenya niba ubujurire bwatanzwe ari ubwa mbere cyangwa niba ari ubwa kabiri, harebwa urukiko urubanza rwatangiriyemo. Bityo ntabwo umuburayi yavuga ko ubujurire bwe ari ubwa mbere yitwaje ko ingingo yajuririye yasuzumwe bwa mbere mu Rukiko rwajuririwe bwa mbere. 2. Iyo hari indishyi zagenwe mu rubanza nizo zigomba gushingirwaho, naho byaba ngombwa ko hashingirwa ku gaciro k’ikiburanwa, hakarebwa agaciro kemejwe n’urukiko nyuma y’impaka z’ababuranyi, haba nta gaciro kagenwe n’inkiko hagashingirwa ku kagenwe n’umuhanga iyo bibaye ngombwa. Bityo, iyo urubanza rujuririrwa mu Rukiko rw’Ubujurire haragenwe indishyi zitageze nibura ku mafaranga miliyoni mirongo irindwi n’eshanu (75,000,000Frw) ziteganywa n’itegeko, ubujurire nti buba buri mu bubasha bw’Urukiko rw’Ubujurire. Inzitizi y’iburabubasha bw’Urukiko rw’Ubujurire ifite ishingiro. Ubujurire ntibwakiriwe ngo busuzumwe. Amategeko yashingiweho: Itegeko N˚ 30/2018 ryo ku wa 02/06/2018 rigena ububasha bw’Inkiko, Ingingo ya 52, igika cya kabiri 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 111 Imanza zifashishijwe: Urubanza RCAA00015/2024/CA, haburana Nyirandabaruta Spéciose Kibonge na China Road and Bridge Corporation Ltd rwaciwe n’Urukiko rw’Ubujurire ku wa 27/09/2024, Urubanza I. IMITERERE Y’URUBANZA [1] Whitefield Investment Company Ltd yareze Thomas Et Piron Grands Lacs, Sengi Philippe, Equity Bank Rwanda Plc na Legacy XP Lts mu Rukiko rw’Ubucuruzi irusaba gutegeka uregwa kuvanaho ubugwate yashyize ku mutungo ufite UPI: 1/2/13/772. Whitefield Investment Company Ltd isobanura ko mu rubanza RCOM00011/2020/CA, Urukiko rw’Ubujurire rwatesheje agaciro urubanza

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RC00393/2019/TGI/NYGE rwari rwategetse ko umutungo ubaruye kuri UPI: 1/2/13/772 wandikwa kuri Sengi Philippe, inkurikizi z’icyo cyemezo akaba ari uko uwo mutungo wari gusubizwa mu maboko ya Thomas Et Piron Grands Lacs Ltd nk’uko byari bimeze mbere, ko ariko Legacy XP Ltd yari yarawutanzeho ingwate. Igihe cyo kuburana cyarageze, Whitefield Investment Company Ltd yamenyesheje Urukiko rw’Ubucuruzi ko yasanze umutungo yaregeraga waravanywe mu bugwate, bityo ko itagikurikiranye icyo kirego, ariko isaba ko abaregwa bayiha indishyi z’ibyagiye ku rubanza. [2] Thomas Et Piron Grands Lacs Ltd yireguye ivuga ko kuba Whitefield Investment Company Ltd yarayikuruye mu manza ivuga ko hari ubugwate nyamara nta buhari, idakwiye guhabwa indishyi. [3] SENGI Philippe yireguye avuga ko nta cyo Whitefield Investment Company Ltd iregera (demande sans objet), kubera ko ubugwate yasabaga gukuraho butakiriho, agasaba Urukiko kwemeza ko nta kiregerwa rutiriwe rujya mu mizi y’urubanza, ko n’ikibazo cyayo cy’indishyi kidakwiye gusuzumwa, kubera ko ikirego cyatanzwe ku wa 13/01/2022, ingwate yarandukuwe ku wa 16/12/2021, kandi ko umutungo wari uwa Thomas et Piron SA, itandukanye na Thomas et Piron Grands Lacs Ltd. [4] Equity Bank Rwanda Plc yireguye ivuga ko isanga itari ikwiye kuregwa muri uru rubanza kuko ubugwate buregerwa butakiriho kuva ku wa 16/12/2021, nyamara ikirego cyaratanzwe nyuma yaho ku wa 13/01/2022, bivuze ko hari hashize ukwezi n’iminsi itatu ubugwate buvuyeho. Yasoje isaba guhabwa indishyi. [5] Legacy XP Ltd yireguye ivuga ko Whitefield Investment Company Ltd yaregeye Urukiko irusaba gutegeka ko ubugwate yatanze ku mutungo ufite UPI: 1/2/13/772 bukurwaho kuko Sengi Philippe yitiza ingwate kandi ubwo bugwate butakiriho, kubera ko nyuma y’uko yishyuriye inguzanyo yose yahawe, ingwate yandukuwe ku wa 16/12/2021, ko rero byumvikanisha ko ntacyo yaregeye (demande sans objet), isaba Urukiko kwemeza ko ntacyo iregera rutiriwe rujya mu mizi y’urubanza. [6] Mu rubanza RCOM00125/2022/TC rwaciwe n’Urukiko rw’Ubucuruzi ku wa 16/03/2022, urwo Rukiko rushingiye ku ngingo ya 111 y’itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, rwemeje ko: Ikirego cya Whitefield Investment Company Ltd, nta shingiro gifite; Whitefield Investment Company Ltd yishyura Thomas Et Piron Grands Lacs Ltd, Sengi Philippe, Equity Bank Rwanda Plc na LEGACY XP Ltd indishyi ku ngano igenwe mu bushishozi bw’urukiko, ko yo izo isaba itazihabwa; Whitefield Investment Company Ltd yishyura Thomas Et Piron Grands Lacs Ltd, SENGI Philippe, Equity Bank Rwanda Plc na Legacy XP Ltd Amafaranga miliyoni ebyiri (2,000,000Frw) y’indishyi z’ikurikiranarubanza n’igihembo cya Avoka, buri wese mu baregwa agahabwa amafaranga ibihumbi magana atanu (500,000Frw); Whitefield Investment Company Ltd idasubizwa amafaranga ibihumbi makumyabiri (20,000Frw) yatanze irega ; [7] Whitefield Investment Company Ltd yajuririye urwo rubanza mu Rukiko Rukuru rw’Ubucuruzi, inenga Urukiko rw’Ubucuruzi kuba mu gufata icyemezo, rwarirengagije ko ari yo yagombaga guhabwa indishyi. [8] Thomas Et Piron Grand Lacs Ltd, Sengi Philippe, Equity Bank Rwanda Plc na LEGACY XP Ltd batanze inzitizi yo kuba Whitefield Investment Company Ltd itarubahirije ibihe byo kujurira ngo kuko yarengeje igihe cy’ukwezi kumwe giteganywa n’amategeko, basobanura ko umunsi wa nyuma wo kujurira wari ku wa 15/04/2022, maze urukiko rubanza kuburanisha impaka kuri iyo nzitizi. Ku ngingo

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y’ubujurire mu mizi, abaregwa bireguye bavuga ko ubwo bujurire bugamije gutinza urubanza ku maherere. Ku munsi w’iburanisha, uhagarariye Whitefield Investment Company Ltd yandikiye urukiko asaba kuburana nyuma ya saa sita, abahagarariye abandi baburanyi bo bari bitabye bavuga ko nyuma ya saa sita nabo bafite iburanisha mu zindi nkiko, bemeranya ko Urukiko ruzafata icyemezo rushingiye ku myanzuro bashyize muri dosiye. [9] Mu rubanza RCOMA00298/2022/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi ku wa 31/03/2023, urwo Rukiko rushingiye ku ngingo ya 83, iya 129, iya 148, iya 277, iya 111 n’iya 152 z’itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ku ngingo ya 26 y’Amabwiriza N˚ 01/2014 agenga ibihembo mbonera by’Abavoka, rwemeje ko : Inzitizi yatanzwe na Thomas Et Piron Grands Lacs Ltd, Sengi Philippe, Equity Bank Rwanda Plc na Legacy XP Ltd, ifite ishingiro ; Kutakira ubujurire bwa Whitefield Investment Company Ltd kubera Kutubahiriza ibihe byo kujurira byategenyijwe n’amategeko ; Whitefield Investment Company Ltd iha Thomas et Piron Grands Lacs Ltd amafaranga miliyoni imwe (1,000,000Frw) y’igihembo cya Avoka n’amafaranga ibihumbi ijana (100,000Frw) y’ikurikiranarubanza, iha SENGI Philippe amafaranga miliyoni imwe (1,000,000 Frw) y’igihembo cya Avoka n’amafaranga ibihumbi ijana (100,000) y’ikurikiranarubanza ; Iha Equity Bank Rwanda Plc amafaranga ibihumbi magana inani (800,000Frw) n’amafaranga ibihumbi ijana (100,0000Frw) y’igihembo cya Avoka ; Iha LEGACY XP Ltd amafaranga miliyoni imwe (1,000,000Frw) y’igihembo cya Avoka n’amafaranga ibihumbi ijana (100,000Frw) y’ikurikiranarubanza, ayo yose akiyongera ku mafaranga ibihumbi magana atanu (500,000Frw) yategetswe guha buri wese yareze ku rwego rwa mbere. [10] Whitefield Investment Company Ltd yajuririye urwo rubanza mu Rukiko rw’Ubujurire, ubujurire bwayo bwandikwa kuri RCOMAA00024/2023/CA, maze nyuma y’imihango ntegurarubanza yose, hemezwa ko urubanza ruzaburanishwa ku wa 02/10/204, uwo munsi ntirwaburanishwa kubera izindi gahunda z’Urukiko, iburanisha rishyirwa ku wa 04/11/2024. [11] Uwo munsi ababuranyi baritabye bose, Whitefield Investment Company Ltd ihagarariwe na Me Munyandamutsa Jean Pierre, Thomas Et Piron Grands Lacs Ltd, SENGI Philippe na LEGACY XP Ltd bahagarariwe na Me Ngilinshuti Jean Bosco, Equity Bank Rwanda Plc ihagarariwe na Me Karemera Frank. [12] Uhagarariye Thomas Et Piron Grands Lacs Ltd, Sengi Philippe na LEGACY XP Ltd n’uhagarariye Equty Bank Rwanda Plc batanze inzitizi y’iburabubasha bw’uru Rukiko ishingiye ku gaciro k’ikiburanwa. [13] Uhagarariye Whitefield Investment Company Ltd yireguye kuri iyo nzitizi avuga ko ubujurire bwa sosiyete ahagarariye buri mu bubasha bw’uru Rukiko. Urukiko rwemeje ko hagiye kubanza kuburanishwa impaka kuri iyo nzitizi rwasanga nta kibazo cy’iburabubasha gihari, rukabona kujya mu mizi y’urubanza.

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II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA Kumenya niba hashingiwe ku ngano y’indishyi zagenwe mu rubanza, ubujurire bwa WHITEFIELD INVESTMENT COMPANY Ltd butari mu bubasha bw’Urukiko rw’Ubujurire [14] Uhagarariye Thomas Et Piron Grands Lacs Ltd, Sengi Philippe na LEGACY XP Ltd avuga ko ashingiye ku ngingo ya 52, igika cya kabiri, 8˚ y’itegeko N˚ 30/2018 ryo ku wa 02/06/2018 rigena ububasha bw’inkiko, asanga ubujurire bwa kabiri Whitefield Investment Company Ltd yatanze budakwiye kwakirwa kubera ko butari mu bubasha bw’Urukiko rw’Ubujurire. Asobanura ko mu manza zabanje, indishyi zagenwemo zingana n’amafaranga miliyoni esheshatu n’ibihumbi magana arindwi (6,700,000Frw) zonyine, zikaba zitageze nibura ku mafaranga miliyoni mirongo irindwi n’eshanu (75,000,000Frw) zigenwa n’itegeko. [15] Uhagarariye Equity Bank Rwanda Plc na we avuga ko ubujurire bwa kabiri bwa Whitefield Investment Company Ltd butari mu bubasha bw’uru Rukiko. Asobanura ko mu nkiko zibanza haburanwe ikibazo cy’indishyi cyonyine kuko ikibazo cy’iremezo kirebana no kwandukuza ingwate urega yari yakiretse, indishyi zagenwe zikaba zitageze ku mafaranga miliyoni mirongo irindwi n’eshanu (75,000,000Frw). [16] Uhagarariye Whitefield Investment Company Ltd yiregura kuri iyo nzitizi avuga ko nta shingiro ifite. Asobanura ko ikibazo cy’ibihe byo kujurira cyatanzwe bwa mbere mu Rukiko Rukuru rw’Ubucuruzi, akaba ari nacyo sosiyete ahagarariye yajuririye, bikaba bitafatwa ko ari ubujurire bwa kabiri kandi icyo kibazo cyarasuzumiwe bwa mbere mu Rukiko Rukuru rw’Ubucuruzi. Ku kibazo cy’ingano y’indishyi zagenwe mu rubanza, avuga ko sosiyete ahagarariye itatangije ikirego iregera indishyi zonyine, ko ahubwo yaregeraga umutungo ufite agaciro kagera kuri miliyari y’amafaranga y’u Rwanda. Uko Urukiko rubibona [17] Impaka kuri iyi ngingo zishingiye ku kumenya niba hashingiwe ku ngano y’indishyi zagenwe mu rubanza, ubujurire bwa kabiri Whitefield Investment Company Ltd yatanze, bwaba buri mu bubasha bw’Urukiko rw’Ubujurire. [18] Ingingo ya 52, igika cya kabiri y’itegeko N˚ 30/2018 ryo ku wa 02/06/2018 rigena ububasha bw’Inkiko iteganya ko” Urukiko rw’Ubujurire rufite ububasha bwo kuburanisha mu rwego rw’ubujurire bwa kabiri imanza zaciwe n’Urukiko Rukuru rw’Ubucuruzi […] 8˚ iyo zagenwemo n’Urukiko indishyi zingana nibura n’amafaranga miliyoni mirongo irindwi n’eshanu (75,000,000Frw) cyangwa zifite agaciro kagenwe n’umucamanza mu gihe habaye impaka, kangana nibura n’amafaranga miliyoni mirongo irindwi n’eshanu (75,000,000Frw)”. [19] Iyi ngingo yumvikanisha ko kugira ngo imanza zaciwe n’Urukiko Rukuru rw’Ubucuruzi zijuririrwe bwa kabiri muri uru Rukiko, zigomba kuba zaragenwemo n’Urukiko indishyi zingana nibura n’amafaranga miliyoni mirongo irindwi n’eshanu (75,000,000Frw) cyangwa zifite agaciro kagenwe n’umucamanza mu gihe habaye impaka, kangana nibura n’amafaranga miliyoni mirongo irindwi n’eshanu (75,000,000Frw)”. [20] Impaka nk’izi zatanzweho umurongo mu rubanza RCAA00015/2024/CA rwaciwe n’Urukiko rw’Ubujurire ku wa 27/09/2024, haburana Nyirandabaruta Spéciose Kibonge na China Road and Bridge Corporation Ltd. Mu gika cya 24, uru Rukiko rwasobanuye ko kuba mu rubanza rujuririrwa haragenwe indishyi zitageze nibura ku mafaranga miliyoni mirongo irindwi n’eshanu (75,000,000Frw) ziteganywa

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n’itegeko, rusanga ubujurire bwa Nyirandabaruta Spéciose Kibonge butari mu bubasha bw’Urukiko rw’Ubujurire. [21] Ku birebana n’uru rubanza, dosiye igaragaza ko Whitefield Investment Company Ltd yaregeye Urukiko rw’Ubucuruzi isaba gutegeka uregwa kuvanaho ubugwate yashyize ku mutungo ufite UPI: 1/2/13/772, ariko iza kuvuga ko icyo kibazo ikiretse kubera ko ubwo bugwate butakiriho, isigara ikurikirana ibirebana n’amafaranga y’ibyagiye ku rubanza. Mu rubanza RCOM00125/2022/TC, Urukiko rw’Ubucuruzi rwategetse Whitefield Investment Company Ltd guha abaregwa amafaranga y’ibyagiye ku rubanza yose hamwe angana na miliyoni ebyiri (2,000,000Frw). [22] Mu rubanza RCOMA00298/2022/HCC, Urukiko Rukuru rw’Ubucuruzi rwafashe indishyi zategetswe mu rubanza rwaciwe n’Urukiko rw’Ubucuruzi, rwongeraho izindi kuri urwo rwego zingana n’amafaranga miliyoni enye n’ibihumbi magana abiri (4,200,000Frw), indishyi zose hamwe zikaba zingana n’amafaranga miliyoni esheshatu n’ibihumbi magana abiri (6,200,000Frw). [23] Ku birebana no kuba uhagarariye Whitefield Investment Company Ltd avuga ko ubujurire sosiyete ahagarariye yatanze muri uru Rukiko atari ubujurire bwa kabiri kubera ko ingingo ijuririrwa yasuzumwe bwa mbere n’Urukiko Rukuru rw’Ubucuruzi, uru Rukiko rusanga nta shingiro byahabwa kuko mu kumenya niba ubujurire bwatanzwe ari ubwa mbere cyangwa niba ari ubwa kabiri, harebwa urukiko urubanza rwatangiriyemo, bityo kuba urubanza Whitefield Investment Company Ltd ijuririra rwaratangiriye mu Rukiko rw’Ubucuruzi, nta gushidikanya ko ubujurire yatanze muri uru Rukiko ari ubujurire bwa kabiri. [24] Ku birebana no kuba uhagarariye Whitefield Investment Company Ltd avuga ko umutungo sosiyete ahagarariye yari yaregeye ufite agaciro k’amafaranga agera kuri miliyari, ko rero urengeje amafaranga miliyoni mirongo irindwi n’eshanu (75,000,000Frw) agenwa n’itegeko, uru Rukiko rusanga nta shingiro byahabwa kubera ko ikibazo kirebana n’ingwate bakiretse, hasuzumwa gusa ikirebana n’indishyi. [25] Urukiko rurasanga mu rubanza rujuririrwa haragenwemo indishyi zingana n’amafaranga miliyoni esheshatu n’ibihumbi magana abiri (6,200,000Frw) zikaba zitageze nibura ku mafaranga miliyoni mirongo irindwi n’eshanu (75,000,000Frw) ziteganywa n’itegeko, bityo ubujurire bwa Whitefield Investment Company Ltd bukaba butari mu bubasha bw’Urukiko rw’Ubujurire. [26] Hashingiwe ku mategeko no ku rubanza byagaragajwe haruguru, Urukiko rw’Ubujurire rurasanga ubujurire bwa kabiri bwatanzwe na Whitefield Investment Company Ltd butagomba kwakirwa kuko butari mu bubasha bwarwo. Ibyerekeye amafaranga y’ikurikiranarubanza n’igihembo cya Avoka [27] Uhagarariye Whitefield Investment Company Ltd asaba uru Rukiko gutegeka abaregwa kwishyura sosiyete ahagarariye amafaranga y’igihembo cya Avoka angana na miliyoni eshanu (5,000,000Frw) ku nzego eshatu yaburanyemo, n’amafaranga ibihumbi magana atanu (500,000Frw) y’ikurikiranarubanza. Ku ndishyi isabwa gutanga, avuga ko itategekwa kuzitanga kandi ari yo yarengenyijwe. [28] Abahagarariye Thomas et Piron Grands Lacs Ltd, Sengi Philippe, LEGACY XP Ltd na Equity Bank Rwanda Plc bavuga ko indishyi Whitefield Investment Company Ltd isaba nta shingiro zikwiye guhabwa, kubera ko ari yo ikomeza gushora imanza zitari ngombwa. [29] Uhagarariye Thomas et Piron Grands Lacs Ltd, Sengi Philippe na LEGACY XP Ltd Asaba Uru Rukiko Gutegeka Whitefield Investment Company Ltd Guha Buri Wese Mu Bo Ahagarariye Amafaranga Miliyoni Imwe (1,000,000Frw) Y’ikurikiranarubanza N’amafaranga Miliyoni Ebyiri (2,000,000Frw) Y’igihembo Cya Avoka.

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[30] Uhagarariye Equity Bank Rwanda Plc asaba uru Rukiko gutegeka Whitefield Investment Company Ltd guha uwo ahagarariye amafaranga ibihumbi magana atanu (500,000Frw) y’ikurikiranarubanza n’amafaranga miliyoni imwe (1,000,000Frw) y’igihembo cya Avoka. Uko Urukiko rubibona [31] Ingingo ya 111 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 ibikurikira: ” Ikirego cy’amafaranga y’ikurikiranarubanza ni ikirego gishamikiye ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza. Ikirego cy’amafaranga y’ikurikiranarubanza kiburanishwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe.” [32] Urukiko rurasanga, kuba abaregwa barashatse Abavoka bo kubahagararira bagakurikirana urubanza, byumvikana ko amafaranga basaba afite ishingiro ariko akaba ari menshi harebwe ko urubanza rugarukiye ku nzitizi y’iburabubasha bw’uru Rukiko; bityo Whitefield Investment Company Ltd ikaba igomba guha buri wese mu baregwa amafaranga ibihumbi magana abiri (200,000Frw) y’ikurikiranarubanza n’amafaranga ibihumbi magana atanu (500,000Frw) y’igihembo cya Avoka kuri uru rwego. III. ICYEMEZO CY’URUKIKO [33] Rwemeje ko inzitizi Thomas Et Piron Grands Lacs Ltd, SENGI Philippe na LEGACY XP Ltd batanze, ifite ishingiro. [34] Rwemeje ko ubujurire bwa kabiri Whitefield Investment Company Ltd yatanze butakiriwe, kubera ko butari mu bubasha bw’Urukiko rw’Ubujurire. [35] Rutegetse Whitefield Investment Company Ltd guha Thomas Et Piron Grands Lacs Ltd, Sengi Philippe, Legacy Xp Ltd na Equity Bank Rwanda Plc, buri wese amafaranga ibihumbi magana abiri (200,000Frw) y’ikurikiranarubanza n’amafaranga ibihumbi magana atanu (500,000Frw) y’igihembo cya Avoka kuri uru rwego. [36] Ruvuze ko amafaranga y’ingwate y’amagarama Whitefield Investment Company Ltd yatanze ijurira, ahwanye n’ibyakozwe mu rubanza.