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Rwanda Case Law

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Contract law RS/INJUST/RC 00002/2020/SC

NDABARINZE v KAVUNDERI

The Supreme Court dismissed a review claim in a loan dispute, held the principal debt was USD 50,000, found no unlawful excessive interest, and upheld the prior judgment.

  • Loan agreements
  • Interest rates
  • Unjust enrichment
  • Burden of proof
  • Damages
  • Loan-agreements
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Contract law RLR V.3-2021

RWAGASANA v BANKI YA KIGALI (BK LTD)

Both Rwagasana and Mukakimenyi are jointly liable for the outstanding principal and interest to BK Ltd as all relevant contracts were signed by both; the 19.25% interest rate after contract termination is valid due to applicant's acquiescence and contract terms; expert and legal fees are awarded at the court's discretion, not at the excessive rates claimed; judicial fee clauses are not abusive if not excessive or unsubstantiated.

  • Loan agreements
  • Performance guarantee
  • Joint liability of spouses
  • Interest rates
  • Abusive clauses
  • Expert fees
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Contract law RLR V.3-2021

RWAGASANA v BANK OF KIGALI (BK) LTD

The Supreme Court found that Rwagasana and Mukakimenyi are jointly liable for the principal loan and late fines as per the contract and expert report, that the interest rate of 19.25% for late fines is valid due to borrower’s acceptance and contractual stipulation, that procedural and counsel fees must be awarded at the court’s discretion and not strictly by contract percentage, that expert fees are recoverable by the bank, and that Mukakimenyi is jointly liable as she signed all relevant agreements.

  • Loan agreements
  • Interest rates
  • Performance guarantee
  • Suretyship
  • Spousal liability
  • Procedural and counsel fees
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Contract law RCOMAA0056/15/SCRCOMAA00025/ 2017SC-RCOM 0003/17/CSRCOM00004/ 2017/SC

RWAGASANA v BANK OF KIGALI (BK) LTD

The Supreme Court found that Rwagasana and Mukakimenyi were jointly liable for the principal loan and late fines as per the contract, including the performance guarantee paid by BK Ltd. The interest rate of 19.25% for late fines was valid as Rwagasana was notified and did not object. Mukakimenyi could not repudiate liability as she signed all relevant agreements. Procedural and counsel fees were awarded at the court's discretion, not at the contractual percentage, and expert fees paid by BK Ltd must be reimbursed by Rwagasana as he lost the case.

  • Loan agreements
  • Interest rates
  • Performance guarantee
  • Suretyship
  • Matrimonial property
  • Procedural fees
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Contract law R.COMA 0025/15/HCC

RUBAYIZA v. MICROFINANCE INKINGI

The Commercial High Court upheld the debt and damages, refused to reduce interest, denied moral damages, and awarded attorney fees on appeal.

  • Loan agreements
  • Suretyship
  • Interest rates
  • Damages
  • Legal costs
  • Mortgage/collateral
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Commercial law RCOMA 0017/10/CS

RUMANYIKA N’ABANDI v. RUZINDANA

The Supreme Court upheld a loan repayment agreement, reduced contractual interest to 6%, rejected force majeure, and confirmed that the wife’s non-signature did not invalidate the contract.

  • Loan agreements
  • Interest rates
  • Spousal property rights
  • Force majeure
  • Damages and penalties
  • Attorney fees
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Commercial law RCOMA 0017/10/CS

RUMANYIKA ET AL v. RUZINDANA

The contract between RUMANYIKA and RUZINDANA was valid; agreed interest and penalties were enforceable under Rwandan law; lack of spousal signature did not invalidate the contract as family property was not directly at issue; force majeure did not apply as non-performance could have been avoided; interest rate was reduced to 6% per annum as 12% was excessive; court fees and penalties were recalculated and allocated accordingly.

  • Loan agreements
  • Interest rates
  • Validity of contracts
  • Spousal consent
  • Force majeure
  • Court fees
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Commercial law RCOMA 0045/09/CS

11Fina bank v. Ntaganda 1

The Supreme Court partly allowed cross-appeals in a bank loan dispute, reducing excessive damages, offsetting payments against the debt, and ordering a lower net balance.

  • Loan agreements
  • Banking practice
  • Damages
  • Interest rates
  • Contractual performance
  • Appeal procedure
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Rwanda decisions are organised by court, judge, legal area and indexed issue so a practitioner can move from a proposition to a citable authority with the surrounding context intact.