Guaranty BANK (GT) RWANDA Ltd, iburanirwa na Me NDAGIJIMANA Emmanuel:
XXXXXXX XXXXXX RW’UBUCURUZI, RURI I KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI, NONE KUWA 24/03/2016, RUKIJIJE MU RUHAME URUBANZA RCOMA 0041/2016/HCC MU BURYO BUKURIKIRA :
……………………………………………………………………………………………………………………………………
HABURANA:
Guaranty BANK (GT) RWANDA Ltd, iburanirwa na Me XXXXXXXXXXX Xxxxxxxx:
UWAJURIYE
Na:
1. ATWINE Assumpta, ubarizwa USA, Main Portland
2. MUSANINYANA Flora, ubarizwa Gabiro-Nyagatovu-Kimironko-Gasabo- Umujyi wa Kigali
3. RWENDEYE Xxxxxxx, ubarizwa Rubuga-Gatore-Niboye-Kicukiro- Umujyi wa Kigali:
ABAREGWA
IKIBURANWA:
Gusaba gutesha agaciro iyandikwa ry’ingwate iri mu kibanza No 14041 mu Mudugudu wa Rubuga, Akagali ka Niboye, Umurenge wa Niboye, Akarere ka Kicukiro, Umujyi wa Kigali yatanzwe na Musaninyana Flora afata inguzanyo muri GT BANK kuko yatanzwe mu buryo bunyuranye n’amategeko. Amafaranga y’ikurikiranarubanza.
(Kujuririra urubanza R. Com 0523/15/Tc/NYGE rwaciwe kuwa 01/12/2015)
I. IMITERERE Y’URUBANZA
1. Uru rubanza rwatangiriye mu Rukiko rw’Ubucuruzi rwa Nyarugenge, ATWINE Xxxxxxxx xxxxx GT BANK RWANDA Ltd, MUSANINYANA Flora na RWENDEYE Xxxxxxx xxxxx xxxxxxx xxxxxxx iyandikwa ry’ingwate iri mu kibanza No 14041 kuko yatanzwe binyuranye n’amategeko.
2. Inkomoko y’ikibazo ikaba ari umwenda GT BANK RWANDA Ltd yahaye MUSANINYANA Flora ndetse akishingirwa na RWENDEYE Xxxxxxx xxxxxxxxxx ko ari ingaragu maze atangaho ingwate inzu ye, uwagurijwe amaze kunanirwa kwishyura, banki ikaba yaramwandikiye hamwe n’umwishingizi we ibishyuza. ATWINE Assumpta amaze kumenya iby’iyo nguzanyo n’ingwate, nk’umugore w’isezerano wa RWENDEYE Xxxxxxx xxxxx yarareze banki hamwe n’uwahawe inguzanyo ndetse
n’umwishingizi we asaba gutesha agaciro ingwate nk’uko bikubiye mu kirego cyo ku rwego rwa mbere.
3. Mu guca uru rubanza, Urukiko rw’Ubucuruzi rwa Nyarugenge rukaba rwaremeje ko ubugwate bwatanzwe na MUSANINYANA Xxxxx xx nzu ya ATWINE Assumpta na RWENDEYE Gustave iri mu kibanza No 14041 buteshejwe agaciro, runategeka GT BANK RWANDA Ltd, MUSANINYANA Flora na RWENDEYE Xxxxxxx xxxxxxxxx ATWINE Assumpta indishyi zinyuranye ndetse no kumusubiza igarama yatanze haba ku kirego cyihutirwa n’icy’urubanza rw’iremezo.
4. GT BANK RWANDA Ltd ikaba itarishimiye imikirize y’uru rubanza bituma irujuririra muri uru Rukiko, mu mpamvu atanga Me XXXXXXXXXXX Xxxxxxxx uburanira banki avuga ko iya mbere ari inzitizi yo kutakira ikirego ku mpamvu y’uko iyatanzwe ku rwego rwa mbere itahawe ishingiro kandi ishingiye ku itegeko, indi mpamvu y’ubujurire ikaba ari iy’uko urukiko rwemeje ko ubugwate buteshwa agaciro kuko GT BANK RWANDA Ltd itagize ubushishozi xxxxxxxx xxxxxxxxxxx ko RWENDEYE Xxxxxxx xxxx afite uwo bashakanye, impamvu ya nyuma ikaba ari iy’uko indishyi zahawe ATWINE Assupta nta shingiro zifite, ku bw’izo mpamvu zose akaba asaba guhindura imikirize y’urubanza rujuririrwa maze rukemeza ko ingwate igumana agaciro kayo, gutegeka abaregwa gufatanya kwishyura banki indishyi z’akababaro, iz’ikurikiranarubanza n’igihembo cya avoka.
5. Mu mwanzuro wo kwiregura, Me MUKABIBI Xxxxxx uburanira ATWINE Assumpta avuga ko inzitizi yo kutakira ikirego cya ATWINE Assumpta nta shingiro yahabwa kuko GT BANK RWANDA Ltd itagaragaza ko hari ubumvikane bwabaye hagati ya ATWINE Assumpta n’umugabo we RWENDEYE Gustave nk’uko biteganywa n’amategeko.
6. Ku mpamvu yo gutesha agaciro ubugwate, avuga ko nayo itahabwa ishingiro kuko n’ubwo inzu igaragara ko yanditse kuri RWENDEYE Gustave 100%, icyemezo cy’agateganyo No 682462 cyahereweho habarurwa ubwo butaka kigaragaza ko ubutaka ari ubwabo bombi, bityo bikaba bigaragara ko habayeho uburiganya mu kubwandika kuri RWENDEYE Xxxxxxx xxxxxxx.
7. Ku mpamvu y’indishyi zahawe ATWINE Assumpta avuga ko zatanzwe mu bushishozi bw’urukiko, akaba yarashoje atanga ubujurire bwuririye ku bundi asaba ko indishyi zatanzwe zakongera kuko yavunitse akurikirana urubanza.
8. Muri uru rubanza hakaba hagomba gusuzumwa inzitizi yo kutakira ikirego, gusuzumwa niba mu kwakira ingwate banki nta bushishozi buhagije yagize ingwate no gusuzuma niba iyo ngwate yateshwa agaciro, gusuzuma niba indishyi zahawe ATWINE Assupta nta shingiro zifite, gusuzuma niba GT BANK RWANDA Ltd yahabwa indishyi no gusuzuma niba ubujurire bwuririye ku bundi bwatanzwe n’uhagarariye ATWINE Assumpta bufite ishingiro.
II. ISESENGURA RY’IBIBAZO
A. Ku birebana no gusuzuma inzitizi yo kutakira ikirego
9. Me XXXXXXXXXXX Xxxxxxxx asobanura ko ikirego cya ATWINE Assumpta kitagomba kwakirwa kuko gishingiye ku ngingo ya 22 agace ka 3, k’itegeko No 22/99 ryo kuwa 12/11/1999 ryerekeye imicungire y’umutungo w’abashyingiranwe, impano n’iz’ungura. Kikaba kitagomba kwakirwa ngo kuko cyatanzwe igihe k’imyaka
5 cyararenze, kuko amasezerano y’ubugwate yabaye mukwa 10/2009, ikirego gitamgwa mu kwezi kwa 3/2015.
10. Me MUKABIBI Xxxxxx, asobanura ko ibivugwa na mugenzi we ataribyo kuko mu intangiro y’ingingo ya 22 k’itegeko No 22/99 ryo kuwa 12/11/1999 ryerekeye imicungire y’umutungo w’abashyingiranywe, impano n’iz’ungura igaragaza ibigomba gukorwa. GT BANK Ltd ikaba ngo itagaragaraza ko ATWINE Assumpta atabashije kugaragra mu gihe cy’imyaka itanu, iki gihe kikaba kigomba kubarwa kuva kuwa 04/03/2015 ubwo GT BANK Ltd yatangaga integuza yo kugurisha ingwate. Ikindi kigaragaza ko atari abizi akaba xxx xxx uko hari uburiganya bwagiye bukorwa, ATWINE Assumpta ni umugore w’isezerano, mu gukora ayo makosa hakaba harashatswe icyemezo cy’ingaragu.
UKO URUKIKO RUBIBONA
11. Ingingo ya 22 agace ka 3, y’itegeko No 22/99 ryo kuwa 12/11/1999 ryuzuza igitabo cya mbere cy’urwunge rw’amategeko y’imbonezamubano kandi rishyiraho igice cya gatanu cyerekeye imicungire y’umutungo w’abashyingiranywe, impano n’iz’ungura iteganya ko ‘’ Umwe mu bashyingiranywe wagize amasezerano ku mutungo agomba ubwumvikane bwabo bombi, agomba mu gihe cyo kuyakora cyangwa mu gihe cy’amezi xxxxxxxx xxxxxxxxx, gusaba uwo bashyingiranywe ko ayemera. Iryo yemera rimenyeshwa mu nyandiko uwo bagiranye amasezerano; iyo nta gisubizo yatanze nyuma y’ukwezi gukurikira umunsi yabimenyesherejweho, ukwemera kwe gufatwa
nk'xxx kwatanzwe mu buryo budasubirwaha. Iyo uwagombaga kubyemera atabashije kuboneka cyangwa kugaragaza igitekerezo cye abitewe n'impamvu zikomeye, amasezerano aba ntakuka iyo hashize umwaka umwe ku bintu byimukanwa n'imyaka itanu ku bintu bitimukanwa ‘’.
12. Ingingo ya 9 y’itegeko N° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko ‘’Urega agomba kugaragaza ibiminyetso by’ibyo aregera. Iyo abibuze, uwarezwe aratsinda.’’
13. Ingingo ya 647 y’itegeko ryo kuwa 30 Nyakanga 1888 ryerekeye urwunge rw'amategeko y'imbonezamubano, igitabo cya gatatu ibyerekeye imirimo nshinganwa cyangwa amasezerano iteganya ko ‘’Uburenganzira bwo kuregera urukiko bwose, bwaba ari ubugamije guhabwa ibintu cyangwa se kwishyuza imyenda, buzima hashize imyaka mirongo itatu kandi si ngombwa ko uwiyambaza ubwo buzime agaragaza inyandiko isobanura xxx akomora uburenganzira bwe, cyangwa xx xxx abo aburana nabo bitwaze ko yaba yaraburonkanye uburyarya.’’
14. Urukiko rusanga ibivugwa na Me NDAGIJIMANA Xxxxxxxx xx ikirego kitagomba kwakira kuko cyatanzwe igihe k’imyaka 5 cyararenze bitahabwa ishingiro kuko igihe kigomba gutangirwa kubarwa kuva umugore wa RWENDEYE Xxxxxxx xxxxxxxxx ibyayo masezerano, kuba rero banki itagaragaza ko ATWINE Assumpta yaba yaramenyeshejwe amasezerano yo gutiza uwo mutungo noneho ntiyubahirize ibivugwa mu ngingo ya 22 k’itegeko No 22/99 ryo kuwa 12/11/1999 ryavuzwe haruguru, kuba iyi ngingo igaragaza ko icya mbere umwe mu bashakanye utari muri ayo masezerano agomba kuyamenyeshwa, bivuga ko igihe cyose atarayamenyeshwa cyangwa ngo ayamenye, igihe kigomba guherwaho mu kubara iminsi iteganywa n’iyi ngingo xxxxx xxx kuwa 04/03/2015 ubwo GT BANK Ltd yatangaga integuza yo kugurisha ingwate ATWINE Assumpta avuga ko aribwo yamenyeye ayo masezerano.
15. Kuba rero banki idashobora kuvuguruza ibyo ATWINE Assumpta avuga ngo igaragaze ikindi gihe yaba yarayamenyeyeho, uku kubura ibimenyetso bikaba biyitsindisha nk’uko biteganywa n’ingingo ya 9 y’itegeko N° 21/2012 ryo kuwa 14/06/2012.
16. Urukiko rusanga ibivugwa na banki ko nyuma y’imyaka itanu nta kirego cyagombaga kubaho, bitahabwa ishingiro kuko xxxxxxx kuvuga ko habayeho ubuzime kandi nyamara ubuzime bwakabaye bushingira ku biteganywa mu ngingo ya 647 y’itegeko ryo kuwa 30 Nyakanga 1888 ryavuzwe haruguru, kubw’impamvu zose zagaragajwe
XXXXXX Xxxxxxxx xxxxx yemerewe kuregera umutungo avuga ko watijwe n’umugabo we.
B. Ku birebana no gusuzuma niba mu kwakira ingwate banki nta bushishozi buhagije yagize ingwate no gusuzuma niba iyo ngwate yateshwa agaciro
17. Me XXXXXXXXXXX Xxxxxxxx asobanura ko mu gutanga umwenda GT Bank yahawe na RWENDEYE Xxxxxxx xxxxxxxxxxx by’inzu imwanditseho 100% bigaragaza ko mu kumuha iki cyemezo xxx xxx ntawe bashakanye yari afite, ndetse na RDB ikaba ngo yaratanze certificate of mortgage xxxxx xxxx itangwa xxx xxx hamaze gusuzumwa niba ntawundi basangiye umutungo. Icyanyuma xxxxx xxx icyemezo cy’ingaragu, ibi byemezo byombi bikaba ngo bitangwa nyuma yo kwerekana icyemezo cy’ingaragu, asoza avuga ko ibi byemezo byose RWENDEYE Xxxxxxx xxxxx yemera ko ariwe wabitanze.
18. Me MUKABIBI Xxxxxx, uburanira ATWINE Assoumpta asobanura ko iyi mpamvu y’ubujurire nta shingiro ifite kuko hashingiwe ku ngingo ya 5 y’itegeko No 010/2009 yo kuwa 04/05/2009, ryerekeye ubugwate ku mutungo utimukanwa nk’uko ryavuguruwe kugeza ubu, iha inshingano uwakiriye ingwate gukora ubushishozi bushoboka kureba niba utanzwe ingwate ntawe bayisangiye, kuba ATWINE Assoumpta nk’umugore w’isezerano atarigeze ashyira umukono ku masezerano yo gutiza ingwate bigaragara ko nta gihamya ko yagaragaje ubwumvikane mu gutanga uwo mutungo.
19. Ikosa rikomeye banki yakoze akaba xxx xxx uko mu kwakira ingwate yanditse ku wundi muntu idashishoje ngo irebe ko ntawe bawusangiye. Ikindi, icyemezo cy’umutungo cyanditse kuri RWENDEYE 100% ndetse n’icyemezo cy’ingaragu bikaba byaratanzwe mu buryo bw’uburiganya. Icyemezo cy’umutungo uburiganya bwacyo bukaba ngo bugaragarira ku kuba ku cyemezo cyahereweho mu kugitanga kigaragaza ko ari umutungo wa ATWINE na RWENDEYE bikaba bitumvikana ukuntu icyemezo cya burundu cyasohotse ku mazina ya RWENDEYE 100% ndetse iki cyemezo cy’umutungo n’icyangaragu bikaba ngo byarashatswe nyuma y’iyandikwa ry’ingwate yo kuwa 15/05/2009. Akomeza avuga ko uburiganya bw’icyemezo cy’ingaragu bugaragaraira ku kuba nta gatanya ya burundu yabaye hagati yabo bombi. Avuga ko icyemezo cy’ingaragu cyatanzwe kuwa 21/12/2010 naho icyemezo cy’umutungo gitangwa kuwa 01/03/2009.
20. Asoza avuga ko ikosa rinakomeye xxx xxx banki yaje kumwongera andi mafaranga, bongera kwandikisha ingwate muri 2010.
21. Me NZAMWITA Toy uburanira RWENDEYE Xxxxxxx asobanura ko nyirabayazana nyawe xxx XXXXXXXXXXX Flora kuko ariwe uzi amanyanga yakoze. Akomeza asobanura ko GT BANK LTd yagize uburangare koko kuko banki itashingira kuri contrat de location na authorisation de batir nabyo bitanditse ku usaba inguzanyo, aha banki ikaba ngo yaragombaga gushishoza bihagije mbere yo kwakira iyi ngwate.
22. Uburiganya bukaba ngo bunagaragazwa no xxxx xxxx umukozi wa banki waba wari ubiri inyuma kuko icyemezo cy’ingaragu cyanditswe kuwa 21/12/2010, iki cyemezo kikaba kitarashatswe na RWENDEYE Xxxxxxx xxxx amaze kugirana amasezerano yo gutiza ingwate na MUSANINYANA Flora, kuwa 05/10/2009 nibwo banki yasinyanye amasezerano na MUSANINYANA Flora imwemerera amasezerano hakoreshewe ingwate yari yatijwe na RWENDEYE Xxxxxxx, nyuma yaho akaba ngo nta yindi mishyikirano yabaye hagati ya banki na RWENDEYE Xxxxxxx. Bigaragara ko iki cyemezo cyanditswe nyuma y’umwaka inguzanyo itanzwe, bikaba bitumvikana inyungu RWENDEYE Xxxxxxx xxxx afite mu kujya gushaka iki cyemezo, bigaragara ko cyashatswe na MUSANINYANA Flora.
23. Asoza avuga ko byose byakozwe XXXXXX Xxxxxxxxx nk’umugore w’isezerano atabizi, ariyo mpamvu ibyakozwe n’Urukiko rubanza bifite ishingiro.
24. Me XXXXXXXXXXX Xxxxxxxx avuga ko amasezerano yo gutiza ingwate yo kuwa 28/09/2009 xxx bavuga ko hatanzwe ibyemezo bibiri aribyo contrat de location na authorisation de batir ataribyo kuko umwimerere w’amasezerano y’ubukode burambye yatanzwe muri banki kuwa 06/10/2009.
25. Akomeza asobanura ko icyemezo cy’agateganyo kitigeze gihabwa banki, bityo ikaba itarigeze ikimenya. Naho icyemezo cy’ingaragu cyatanzwe mu mwaka wa 21/10/2010 xxxxx xxx icya xxxxxx cyashatswe hagiye kuvugurura amasezerano y’ubugwate muri RDB kuwa 16/02/2010.
26. Abajijwe icyemezo cy’ingaragu cya mbere, Me XXXXXXXXXXX Xxxxxxxx asobanura ko bakibuze muri banki ko ariko ikimenyetso gicukumbuye gishingiye ku ngingo ya 108 y’itegeko ry’ibimenyetso xxx xxx mu masezerano y’ubukode burambye bw’icyo kibanza yagitanze mu butaka ndetse no muri RDB kuwa 15/10/2009.
27. Me NZAMWITA Toy, avuga ko ibimenyetso byose Banki irigutanga bitatanzwe na RWENDEYE Xxxxxxx xxxxxx byatanzwe na MUSANINYANA Flora kuko impapuro
zatanzwe na RWENDEYE Xxxxxxx xxxxxxxxxx mu masezerano yagiranye na MUSANINYANA Flora.
28. Me MUKABIBI Xxxxxx avuga ko bitumvikana ukuntu banki yavuga ko yabuze ibimenyetso kandi bafite ububiko, bityo bivuga ko iki kimenyetso ntacyo bafite. Asoza avuga ko amasezerano y’ubukode burambye ashobora xxxx xxx ikiganano bashobora kuba barihimbiye, bityo hakaba hazabaho kugisesengura.
UKO URUKIKO RUBIBONA:
29. Ingingo ya 5 y’itegeko No 10/2009 ryo kuwa 14/05/2009 ryerekeye ubugwate ku mutungo utimukanwa nk’uko ryahinduwe kandi ryujujwe kugeza ubu iteganya ko ‘’ingwate ku mutungo w’urugo rw’abashakanye igira agaciro gusa iyo inyandiko yose cyangwa ubundu buryo bwose bukoreshejwe mu kuyakira biriho umukono w’uwatanze ingwate n’umukono w’uwo bashakanye babana muri uwo mutungo cyangwa igihe hariho gihamya ko habayeho ubwumvikane hagati yabo kugira ngo iyo ngwate itangwe; ko kandi uwahawe ingwate afite inshingano zo gukora ibishoboka byose ngo amenye neza niba utanga ingwate afite cyangwa adafite uwo bashakanye’’
30. Ingingo ya 24 y’itegeko No 22/99 ryo kuwa 12/11/1999 ryuzuza igitabo cya mbere cy’urwunge rw’amategeko y’imbonezamubano kandi rishyiraho igice cya gatanu cyerekeye imicungire y’umutungo wabishyingiranwe iteganya ko ‘’uko imicungire y’umutungo n’uburyo bawucunga byaba biri kose, ubwumvikane bw’abashyingiranywe ni ngombwa mu gutanga ikimukanwa bwite n’umutungo bahuriyeho no kubitangaho ubundi burenganzira bwose’’
31. Urukiko rusanga ibivugwa na Me NDAGIJIMANA Xxxxxxxx xx icyemezo cy’ubugaragu cya RWENDEYE Gustave cya mbere bakibuze muri banki ko ariko ikimenyetso gicukumbuye gishingiye ku ngingo ya 108 y’itegeko ry’ibimenyetso xxx xxx mu masezerano y’ubukode burambye bw’icyo kibanza yagitanze mu butaka ndetse no muri RDB kuwa 15/10/2009, bitahabwa ishingiro kuko bitumvikana ukuntu banki yaba yarataye icyo cyemezo mu gihe bigaragara ko ibindi byemezo byose yabibitse neza, bityo akaba atakwitwaza iyi ngingo kuko nk’uko ibiteganya ibyo bimenyetso bigomba kwemerwa iyo bikomenye, bisobanuye kandi bihuje, nk’uko rero mu bika bikurikira biribuze kugaragazwa ibyo bimenyetso bikaba bidakomeye ndetse bitanahuje.
32. Urukiko rusanga ibivugwa na Me NDAGIJIMANA Xxxxxxxx xx mu gutanga umwenda GT Bank yahawe na RWENDEYE Xxxxxxx xxxxxxxxxxx by’inzu imwanditseho 100% bigaragaza ko mu kumuha iki cyemezo xxx xxx ntawe bashakanye yari afite, bitahabwa ishingiro kuko nk’uko bigaragara ko amasezerano yo gutiza ingwate yabaye hagati ya RWENDEYE Gustave na MUSANINYANA Flora kuwa 28/09/2009, kuba muri ayo masezerano icyangombwa kigaragaramo kigaragaza umutungo w’utije ingwate ari contrat de location No 0307 na authorisation de Batir No B.F/KICUKIRO/NIBOYE/00331/2009 yo kuwa 16/03/2009, bishatse kuvuga ko nta masezerano y’ubukode burambye xxxxx umutungo yari yakabonye kuko ariyo agaragaza xx xxxxx umutungo;
33. Urukiko rusanga kuba icyemezo cy’agateganyo gihabwa uwabaruriwe ubutaka cyanditswe kuri RWENDEYE Gustave na ATWINE Assumpta naho amasezerano y’ubukode burambye No KIC/L/0307 agasohoka yanditseho ko ikibanza No 14041 ari icya RWENDEYE Gustave 100%, xxx xxxxxxxxxx akaba xxx xxx kuwa 16/03/2009, bikaba bitumvikana ukuntu mu gutiza ingwate RWENDEYE Xxxxxxx xxxxxxxx xxx xxxxxxxxxx y’ubukode burambye kandi ayafite, ibi bigaragaza ko aya masezerano y’ubukode yaba ari amahimbano, indi nenge yayo ikaba igaragarira mu kuba UPI yayo nta mibare iyigaragaraho nk’uko bisanzwe ku yandi masesezerano y’ubukode burambye kuko iyo mibare ariyo ibasha gutandukanya nimero z’ibibanza;
34. Urukiko rusanga kuba icyemezo cy’ubugaragu cyaratanzwe kuwa 21/12/2010, bigararara ko cyatanzwe nyuma y’itangwa ry’umwenda ndetse n’iyandikwa ry’ingwate muri banki kuko inguzanyo yaratanzwe kuwa 05/10/2009 ndetse n’xxxxxx;
35. Urukiko rusanga nk’uko bimaze kugaragazwa haruguru mu kwakira ingwate nta bushishozi buhagije banki yagize kuko kuba RWENDEYE Gustave yaratije ingwate kandi nyamara yarasezeranye na ATWINE Assumpta mu buryo bw’ivanga mutungo rusange, agatiza iyo ngwate umugore we atabizi ndetse atanabyemeye, banki ikaba itaragize ubushishozi buhagije kuko usibye n’inenge zagaragajwe mu byemezo byagendeweho mu gutiza iyo ngwate, nko kuba icyemezo cy’ubugaragugu cyatanzwe nyuma y’itangwa ry’umwenda ndetse n’icyemezo cy’umutungo gishobora xxxx xxx igihimbano kuko UPI yaco itagaragaza imibare yayo, bityo banki ikaba yaragombaga gushishoza ikishakira amakuru kugira imenye niba utanze ingwate nta mugore afite na cyane ko mu kwakira iyo ngwate nta cyemezo kigaragaza ubugaragu cyari
cyagatanzwe, kuba rero nta bwumvikane bwa’bashyingiranywe bwabayeho ndetse banki itaranakoze ibishoboka ngo imenye niba RWENDEYE Xxxxxxx xxx xxxxxx xxxxx, ubu bugwate kukaba buteshejwe agaciro hashingwie ku ingingo ya 5 y’itegeko No 10/2009 ryo kuwa 14/05/2009 ryavuzwe haruguru n’iya 24 y’itegeko No 22/99 ryo kuwa 12/11/1999 ryavuzwe haruguru nk’uko byemejwe n’Urukiko rubanza.
C. Ku birebana no gusuzuma niba indishyi zahawe ATWINE Assupta nta shingiro zifite
36. Me XXXXXXXXXXX Xxxxxxxx asobanura ko Urukiko rwemeje ko ATWINE Assumpta ahabwa indishyi zingana na 2,000,000 Frw rudasobanuye impamvu yazo, xxxx xxx iz’ikababaro ngo zisobanure akababaro yagize n’xxx gaturuka.
37. Me MUKABIBI Xxxxxx avuga ko izo ndishyi bari bazisobanuye ku rwego rwa mbere ko basabye indishyi z’amafaranga 2,000,000 z’ikurikranarubanza n’igihembo cya avoka ndetse n’mafaranga 5,000,000 y’indishyi z’akababaro no gusubizwa igarama ry’amafaranga 100,000 yatanzwe ku kirego cy’ihutirwa n’igisanzwe, asoza avuga ko Urukiko rwemeje indishyi mu bushishozi bwarwo.
XXX XXXXXXX XXXXXXXXX:
38. Urukiko rusanga mu kugena indishyi mu gika cya 28 n’icya 29 by’urubanza rwarasobanuye izo ndishyi ndetse runerekana amategeko rushingiraho, bityo mu bujurire Urukiko rukaba rusanga indishyi zaragenwe mu bushishozi bw’Urukiko xxxxx xxx ndishyi xxxxx xxx iz’akababaro n’iz’igihembo cya avoka kuko arizo zasabwe, zikaba zaragenwe mu buryo bwemewe n’amategeko ariyo mpamvu zigomba kugumaho.
D. Ku birebana no gusuzuma indishyi zisabwa na GT BANK Ltd
39. Urukiko rusanga rutakwirirwa rusuzuma iyi ngingo kuko uyitanga urubanza rumutsinda.
E. Ku birebana no gusuzuma ubujurire bwuririye ku bundi bwa ATWINE Assumpta
40. Me MUKABIBI Xxxxxx asobanura ko uwo aburanira asaba ko GT BANK Ltd imwishyura indishyi z’akababaro zingana n’amafaranga 5,000,000 ndetse
akanahabwa n’indishyi z’ikurikranarubanza n’igihembo cya avoka zingana n’amafaranga 2,500,000.
41. Me XXXXXXXXXXX Xxxxxxxx xxxxx xxxxxx xxxxxxxxxx.
UKO URUKIKO RUBIBONA:
42. Ingingo ya 258 y’itegeko ryo kuwa 30 Nyakanga 1888 ryerekeye urwunge rw'amategeko y'imbonezamubano, igitabo cya gatatu ibyerekeye imirimo nshinganwa cyangwa amasezerano iteganya ko ‘’igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse’’
43. Urukiko rusanga nta zindi ndishyi z’akababaro zikwiriye gutangwa muri uru rubanza kuko indishyi z’akababaro z’amafaranga 2,000,000 zagenwe ku rwego rwa mbere ziri mu kigero kigereranyije, bityo akaba arizo zigomba kugumaho.
44. Urukiko rusanga indishyi z’igihembo cya avoka zigomba kubarirwa mu iz’ikurikranarubanza kandi izi ndishyi zisabwa na ATWINE Assumpta zikaba zifite ishingiro ndetse zikaba zigomba gutangwa kuko yashowe mu manza ku rwego rw’ubujurire bitari ngombwa, kuba rero mu kuburana yarashatse avoka umuburanira amafaranga yamwishyuye akaba agomba kwishyurwa na GT BANK RWAND ALtd yamuteje icyo gihombo nk’uko biteganywa n’ingingo ya 258 y’itegeko ryo kuwa 30 Nyakanga 1888 yavuzwe haruguru, ariko banki ikaba igomba kwishyura amafaranga 500,000 agenwe mu bushishozi bw’Urukiko kuko ayasabwaga akabije kuba menshi, akaba agomba kwiyongera kuyemejwe n’Urukiko rubanza.
F. Ku birebana no gusuzuma ubujurire bwuririye ku bundi bwa RWENDEYE Xxxxxxx
45. Me NZAMWITA Toy umuburanira asaba ko GT BANK RWANDA Ltd yishyura umukiliya we indishyi z’ikurikiranarubanza n’igihembo cya avoka zingana n’amafaranga 1,500,000.
46. Me XXXXXXXXXXX Xxxxxxxx xxxxx xxxxxx xxxxxxxxxx.
UKO URUKIKO RUBIBONA:
47. Urukiko rusanga indishyi zisabwa na RWENDEYE Xxxxxxx xxxxxxxxx xxxxxxxx kuko, nubwo byagaraye ko banki xxxxxx xxxxxxxxxxx buke mu xxxxxxx xxxxxxx, RWENDEYE Xxxxxxx xxxx xxxxxxx nawe xxxxxx xxxx xx’xxx xxxxxxxxxx xxxx
amasezerano yo gutiza ingwate yakoreye MUSANINYANA Flora atabimenyesheje umugore we, xxx xxxxxxxxx akaba xxx xxxx xxxxxx intandaro yo gutanga umwenda, akaba rero atagomba kubirinduka ngo abisabire indishyi.
III. ICYEMEZO CY’URUKIKO
48. RWEMEYE kwakira ubujurire bwa GT BANK RWANDA Ltd kuko bwaje mu buryo bukurikije amategeko, ariko rubusuzumye rusanga nta shingiro bufte;
49. RWEMEJE ko nta gihindutse ku rubanza R. Com 0523/15/TC/NYGE usibye indishyi z’igihembo cya avoka ziyongereyeho amafaranga 500,000.
50. RUTEGETSE ko amagarama GT BANK RWANDA Ltd yatanze ijurira aherera ku isanduku ya Leta.
RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME N’UMUCAMANZA Xxxxxxxxx XXXXXXXX XXXXXXXXXX HARI N’UMWANDITSI X’XXXXXXX
XXXXXXXXXX Xxxx Xxxxxxxxx
UMUCAMANZA UMWANDITSI
Xxxxxxxxx XXXXXXXX XXXXXXXXXX XXXXXXXXXX Xxxx Xxxxxxxxx
Sé Sé