URUBANZA N°R.COM A 00223/2016/CHC/HCC Urupapuro rwa 1

URUBANZA N°▇.▇▇▇ A 00223/2016/CHC/HCC Urupapuro rwa 1

URUKIKO RUKURU RW’UBUCURUZI RURI I KIGALI, RUHABURANISHIRIZA KU RWEGO RW’UBUJURIRE, RUCIYE URUBANZA N°▇.▇▇▇ A 00223/2016/CHC/HCC MU BURYO BUKURIKIRA NONE KU WA 04/11/2016 :

ABABURANYI

▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, mwene Rwagitare ▇▇▇▇▇ na Kankusi ▇▇▇▇▇▇▇▇, utuye mu Mudugudu wa Mahoro, mu ▇▇▇▇▇▇ ▇▇ Nyamirambo, Umurenge wa Nyamirambo, Akarere ka Nyarugenge, Umujyi wa Kigali, yunganirwa na Me NZIRABATINYI Fidèle UWAJURIYE.

BANQUE DE KIGALI LIMITED (BK Ltd), ihagarariwe n’Umuyobozi Mukuru wayo uburanirwa na Me RUSANGANWA ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇.

IKIREGO

Kujuririra urubanza ▇.▇▇▇ 1180/15/TC/NYGE rwaciwe n’Urukiko rw’Ubucuruzi rwa Nyarugenge tariki ya 06/04/2016 (Résiliation irrégulière et intempestive de la Convention de credit du 03/01/2014; Demande d’une contre expertise financière et d’un nouveau plan de remboursement.)

I. IMITERERE Y’URUBANZA MU NCA MAKE

[1] ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ amasezerano na BK Ltd yo kumuha inguzanyo ya Frw 194.114.299 igamije kugura umwenda yari afite muri Banque Populaire no gusana inzu yari yaraguzemo ayo mafaranga. Iyo nzu yatanzweho ingwate ▇▇▇▇ ▇▇ Ltd.

[2] ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ikirego mu Rukiko rw’Ubucuruzi rwa Nyarugenge avuga ko yari yumvikanye na BK Ltd ko azishyura iyo nguzanyo mu gihe cy’imyaka 20 ariko ku munota wa nyuma, BK Ltd iyishyira ku myaka 10 bituma amafaranga y’ukwezi yagombaga kwishyura kuri iyo nguzanyo atari kurenza Frw 3.000.000 hakurikijwe umushinga yari yakoze aba Frw 8.763.687, bityo bikaba byaramubereye ikibazo cyo kutabasha kwishyura iyo nguzanyo, maze BK ltd isesa amasezerano. Yavugaga mu kirego cyayo ko kubera ko BK Ltd yamushyize conditions ziruhanije kandi binyuranije n’amabwiriza ya Banki Nkuru y’U Rwanda (BNR), bikaba byatumye atabasha kwishyura umwenda, Banki isesa amasezerano ariko akaba asaba contre- expertise y’umwenda kuko batawumvikanaho ndetse ko Banki yubahiriza amabwiriza ya BNR

ivuga mu ngingo yayo ya 15 ko mu gihe uwafashe umwenda ari mu birarane, ▇▇▇ ▇▇▇▇▇▇ akishyura agabanya umwenda remezo (capital).

*3+ Urukiko rw’Ubucuruzi rwa Nyarugenge rwaciye urubanza rwemeza ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇ ko mu mibare y’umwenda hari ibyirengagijwe binyuranye n’amasezerano yasinye ku bijyanye no kubara inyungu ku mwenda. Rwemeza ko nta contre-expertise rwategeka mu gihe rutabona imibare igaragazwa n’impande zombi ko inyuranye. Rwemeza ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ kwishyura BK Ltd Frw 2.000.000 y’ikurikiranarubanza n’igihembo cy’Avoka.

[4] ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ urwo rubanza ku mpamvu zikurikira :

- Kuba Urukiko rubanza rwaranze gutegeka ko hakorwe contre-expertise.

*5+ Asobanura iyo mpamvu y’ubujurire avuga ko mu gika cya 7 n’icya 8, Urukiko rwavuze ko urega atagaragaje icyo ashingiraho yemeza ko BK Ltd yabaze nabi amafaranga yishyuza, bityo na expertise asaba ikaba nta shingiro ifite; nyamara mu myanzuro ndetse no mu miburanire yagaragaje ko BK Ltd ariyo yateguye amasezerano iyamuha ngo ayashyireho umukono (contrat d’adhésion). Avuga ko yerekanye ▇▇▇▇▇ ▇▇ ku munota wa nyuma BK Ltd yahinduye igihe cyo kwishyura ikakivana ku myaka 20 bari bavuganye, igashyiraho imyaka 10. Avuga ko muri iyo myitwarire rero, ntawe ukwiye gushidikanya ko BK Ltd yateguye amasezerano, anyuranye n’amategeko, kuko yirengagije ibiteganywa n’amabwiriza No9/2003 ya Banki Nkuru y’Igihugu, ▇▇▇ mu ngingo ya 2, n’iya 5, BNR isaba amabanki kutagura cyangwa kudasubiramo imyenda (Rachat ou Restructuration) ashyira ku wahawe umwenda “ Conditions zigoye kurushaho”.

[6] Avuga ko nubwo yashyize umukono kuri ariya masezerano, BK Ltd yonyine ariyo ikwiye kubyirengera nk’uko abahanga mu mategeko babisesenguye bati : “ Le banquier est tenu d’agir, avec compétence, soins diligence et aux mieux des intérêts de leur clients.” Avuga ko mu gika cya 8 cy’urubanza rero, urukiko rutari rukwiye guha agaciro amasezerano akozwe mu buryo bunyuranye n’amategeko. Avuga ko iyo kandi yari impamvu ihagije yo kwemeza ko amafaranga BK Ltd yishyuza kuri historique yayo kandi atari yo, rukemera ko hakorwa expertise igendeye ku mategeko.

- Kuba Urukiko rubanza rwanze gushingira ku mabwiriza ya BNR.

*7+ Asobanura iyo mpamvu y’ubujurire avuga ko mu gika cya 12 cy’urubanza, Urukiko ruvuga ko BARIKANA atakwitwaza amabwiriza ya BNR ; nyamara asanga ibi ari ukwirengagiza icyo ingingo ya 64 y’Itegeko rigenga amasezerano iteganya kuko kuba atarabashije kwishyura kubera amasezerano ateganya ibinyuranye n’ibyo BNR itegeka, ▇▇▇▇▇ ▇▇▇ masezerano akaba yarateguwe na BK Ltd, bikaba bitari bikwiye kuba impamvu yo kuyasesa byitiriwe amakosa ya BARIKANA. Avuga ko BK Ltd yagombaga kwemera gusubira mu masezerano ikayahuza n’ayo mabwiriza, bityo n’imibare igasubirwamo.

- Kuba Urukiko rwaranze kumwongerera igihe cyo kwishyura umwenda.

*8+ Asobanura iyo mpamvu y’ubujurire avuga ko Urukiko rwaranze kumwongerera igihe cyo kwishyura yasabaga ngo kuko bitari mu masezerano, ▇▇▇ ▇▇▇▇▇ nta bushake bwo kwishyura agaragaza ; nyamara asanga Urukiko rwaratanze impamvu itari yo (fausse motivation) kandi rukirengagiza ibimenyetso byatanzwe n’urega. Avuga ko kongererwa igihe cyo kwishyura « Délai de grâce » bidashobora kuba mu masezerano, ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ rugasuzuma ishingiro byabyo. Avuga ko ku bijyanye no kugaragaza ubushake bwo kwishyura, yagaragaje Banki yemeye kugura umwenda we, n’▇▇▇ ishyirwa mu bikorwa ry’icyo cyemezo rigeze, ▇▇▇ ▇▇▇▇ mpamvu asaba igihe gito, kugira ngo formalités zirangire ; nyamara Urukiko rukaba rwarirengagije ibyo bimenyetso yarugaragarije kuko ntacyo rubivugaho mu rubanza.

[9] BK Ltd yiregura mu buryo bukurikira :

*10+ Ku mpamvu ya mbere y’ubujurire, ivuga ko urega atanenga icyemezo cy’Urukiko (mu gika cya 7 n’icya 8) ▇▇▇ rwemeje ko urega atagaragaje icyo ashingiraho yemeza ko BK Ltd yabaze nabi amafaranga yishyuza kugira ngo hakorwe expertise ku mwenda we, avuga ko urukiko rutari guha agaciro amasezerano y’inguzanyo akozwe mu buryo bunyuranije n’amategeko (ko amasezerano yakozwe na BK Ltd, ko imyaka yari 20 ▇▇▇ kuba10 ariko kubera ko urega yiyemerera ko yagiranye amasezerano yiguriza na BK Ltd ndetse agatangaho ingwate inzu ye mu kwishingjra iyo nguzanyo kandi na none iyo ngwate ikandikwa muri RDB ndetse bitewe no kutishyura ibirarane by’umwenda kandi nawe yemera (murebe inyandiko zavuzwe haruguru), BK Ltd yasabye Umwanditsi Mukuru muri RDB gushyiraho umunsi w’igurisha mu cyamanara ingwate yahawe mu rwego rwo kubahiriza ibikubiye mu masezerano y’inguzanyo impande zombi zagiranye. Ivuga ko ibyo kuvuga ko Urukiko rutari guha agaciro amasezerano yakozwe mu buryo bunyuranye n’amategeko nta shingiro byahabwa kubera ko nta kirego kigeze gitangwa kerekeye gutesha agaciro ayo masezerano y’inguzanyo; bityo rero, Banki ikaba nta masezerano yishe ahubwo BARIKANA ▇▇▇▇▇▇ ▇▇▇▇▇ ariwe utarubahirije amasezerano hashingiwe ku ngingo ya 64 (la loi des parties) na 113 (effet relatif des contrats) z’Itegeko n° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano; akaba rero atakwitwaza amakosa ye asaba ko hari ibyo Urukiko rwamugenera;

[11] Ku bijyanye n’impamvu ya kabiri y’ubujurire, ivuga ko, hashingiwe ku bimaze kuvugwa, iyo mpamvu nayo nta ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ko nta kirego cyatanzwe kijyanye no gusaba gutesha agaciro amasezerano y’inguzanyo yasinywe hagati ya BK Ltd na ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ikirego cyatanzwe ni «Résiliation irrégulière et intempestive de la convention de crédit du 03/01/2014; Demande d’une contre-expertise financière et d’un nouveau plan de remboursement ».

[12] Ku bijyanye n’impamvu ya gatatu y’ubujurire, ivuga ko nayo nta shingiro ifite kubera ko ujurira atavuguruza ibyemejwe n’Urukiko rwo hasi ▇▇▇ rwemeje ko urega atagaragaza ubushobozi n’ubushake bwo kiwshyura ▇▇▇▇▇ ▇▇▇▇▇ atanemera uburyo yishyuzwa na BK Ltd (murebe igika cya 13), bityo rero ntabwo ku ruhande rumwe yaba ahakana ibikubiye mu

masezerano ngo narangiza asabe ko ahabwe délai de grace; ikaba isanga harimo ukwivuguruza gukabije ku ruhande rw’uwajuriye na cyane cyane ko, mu rwego rwo gufasha urega, habayeho consolidation des engagements (▇▇▇▇▇▇ ya 17/12/2013), warning letter, (13/02/2015), Last warning letter (17/03/2015) ▇▇▇▇▇ ▇▇ kuva iburanisha ry’ibanze ryaba taliki ya 03/12/2015, ntacyo urega yari yakora kigaragaza ubwishyu bw’iryo deni; ahubwo inyungu zirakomeza kwiyongera uko bukeye n’uko bwije

[13] BK Ltd yatanze ubujurire bwururiye ku bundi ivuga ko kubera ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ kuyishora mu manza nta mpamvu, ▇▇▇▇▇ ▇▇▇ manza zikaba zigomba gukurikanwa ndetse no gushakirwa avoka uziburana, tikaba isaba Urukiko kumutegeka kwishyura amafaranga ahwanye Frw 1.000.000 y'ikurikirana rubanza ndetse na Frw 1.000.000 y'igihembo cy'Avoka.

*14+ Ibibazo bisuzumwa muri uru rubanza n’ibikurikira :

- Kumenya niba Urukiko rubanza rwagombaga gutegeka ko habaho contre-expertise y’uburyo umwenda wabazwe.

- Kumenya niba amasezerano yaseshwe na BK Ltd mu buryo budakurikije amategeko.

- Kumenya niba ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ kongererwa igihe cyo kwishyura umwenda.

- Kumenya ▇▇▇▇ ▇▇ Ltd igomba kwishyurwa amafaranga y’ikurikiranarubanza n’igihembo cy’Avoka mu bujurire.

II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA

A- Kumenya niba Urukiko rubanza rwagombaga gutegeka ko habaho contre-expertise

y’uburyo umwenda wabazwe.

[15] ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ urubanza avuga ko mu gika cya 7 n’icya 8, Urukiko rwavuze ko urega atagaragaje icyo ashingiraho yemeza ko BK Ltd yabaze nabi amafaranga yishyuza, bityo na expertise asaba ikaba nta shingiro ifite; nyamara mu myanzuro ndetse no mu miburanire yagaragaje ko BK Ltd ariyo yateguye amasezerano iyamuha ngo ayashyireho umukono (contrat d’adhesion). Avuga ko yerekanye ▇▇▇▇▇ ▇▇ ku munota wa nyuma BK Ltd yahinduye igihe cyo kwishyura ikakivana ku myaka 20 bari bavuganye, igashyiraho imyaka 10. Avuga ko muri iyo myitwarire rero, ntawe ukwiye gushidikanya ko BK Ltd yateguye amasezerano, anyuranye n’amategeko, kuko yirengagije ibiteganywa n’amabwiriza No9/2003 ya Banki Nkuru y’Igihugu, ▇▇▇ mu ngingo ya 2, n’iya 5, BNR isaba amabanki kutagura cyangwa kudasubiramo imyenda (Rachat ou Restructuration) ashyira ku wahawe umwenda “ Conditions zigoye kurushaho”.

[16] Avuga ko nubwo yashyize umukono kuri ariya masezerano, BK Ltd yonyine ariyo ikwiye kubyirengera nk’uko abahanga mu mategeko babisesenguye bati : “ Le banquier est tenu d’agir, avec compétence, soins diligence et aux mieux des intérêts de leur clients.” Avuga ko mu gika

cya 8 cy’urubanza rero, ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ guha agaciro amasezerano akozwe mu buryo bunyuranye n’amategeko. Avuga ko iyo kandi yari impamvu ihagije yo kwemeza ko amafaranga BK Ltd yishyuza kuri historique yayo kandi atari yo, rukemera ko hakorwa expertise igendeye ku mategeko.

[17] BK Ltd yiregura ivuga ko urega atanenga icyemezo cy’Urukiko (mu gika cya 7 n’icya 8) ▇▇▇ rwemeje ko urega atagaragaje icyo ashingiraho yemeza ko BK Ltd yabaze nabi amafaranga yishyuza kugira ngo hakorwe expertise ku mwenda we, avuga ko urukiko rutari guha agaciro amasezerano y’inguzanyo akozwe mu buryo bunyuranije n’amategeko (ko amasezerano yakozwe na BK Ltd, ko imyaka yari 20 ▇▇▇ kuba10 ariko kubera ko urega yiyemerera ko yagiranye amasezerano yiguriza na BK Ltd ndetse agatangaho ingwate inzu ye mu kwishingjra iyo nguzanyo kandi na none iyo ngwate ikandikwa muri RDB ndetse bitewe no kutishyura ibirarane by’umwenda kandi nawe yemera (murebe inyandiko zavuzwe haruguru), BK Ltd yasabye Umwanditsi Mukuru muri RDB gushyiraho umunsi w’igurisha mu cyamanara ingwate yahawe mu rwego rwo kubahiriza ibikubiye mu masezerano y’inguzanyo impande zombi zagiranye. Ivuga ko ibyo kuvuga ko Urukiko rutari guha agaciro amasezerano yakozwe mu buryo bunyuranye n’amategeko nta shingiro byahabwa kubera ko nta kirego kigeze gitangwa kerekeye gutesha agaciro ayo masezerano y’inguzanyo; bityo rero, Banki ikaba nta masezerano yishe ahubwo BARIKANA ▇▇▇▇▇▇ ▇▇▇▇▇ ariwe utarubahirije amasezerano hashingiwe ku ngingo ya 64 (la loi des parties) na 113 (effet relatif des contrats) z’Itegeko n° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano; akaba rero atakwitwaza amakosa ye asaba ko hari ibyo Urukiko rwamugenera;

*18+ Ku bijyanye n’icyo kibazo, Urukiko rusanze ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ mu kirego cye ko Urukiko rutegeka ko hakorwe contre-expertise financière. Rusanze ko Urukiko rwemeje ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇ ko mu mibare y’umwenda hari ibyirengagijwe binyuranye n’amasezerano yasinye ku bijyanye no kubara inyungu ku mwenda ndetse ko mu gihe rutabona imibare igaragazwa n’impande zombi ko inyuranye nta contre-expertise rwategeka.

*19+ Rusanze ko icyemezo cy’Urukiko rubanza kuri icyo kibazo gisobanuwe neza kuko ntaho rwari guhera rutegeka ko hakorwe contre-exprtise kandi ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇ uko we yaba yarabaze umwenda we hakurikijwe ibiteganyijwe mu masezerano agasanga udahuye n’ibyo BK Ltd yabaze. Rusanze ko kuba ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ avuga ko yari yumvikanye na BK Ltd ko azishyura umwenda mu myaka 20 ariko BK Ltd ibihindura mu masezerano yandika ko agomba kwishyura mu ▇▇▇▇ ▇▇’imyaka 10 bituma adashobora kubahiriza amasezerano ndetse ko ibyo byagombaga kwerekana Urukiko ko imibare y’umwenda atariyo, ibyo bikaba nta shingiro bifite kubera y’uko nubwo yaba yaraganiriye na BK Ltd agakora umushinga w’inguzanyo ugomba kwishyurwa mu myaka 10 ariko kuba yaremeye gusinya ayo masezerano ateganya ko agomba kwishyura mu myaka 10, bikaba bivuga ko yemeye conditions BK Ltd yari yashyizeho kugira ngo ahabwe inguzanyo. Rusanze ko kuba ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ avuga ▇▇ ▇▇ Ltd ▇▇▇▇▇ yateguye amasezerano iyamuha ngo ayashyireho umukono (contrat d’adhesion) ariko ku munota wa nyuma BK Ltd ihindura igihe cyo kwishyura bari bumvikanye, ibyo bikaba nta

shingiro byahabwa kubera ko kuva yagiranye ayo masezerano na BK Ltd ku wa 23/05/2013, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ asaba ko amasezerano ateshwa agaciro ku mpamvu y’uko habayeho ukwibeshya mu gihe cy’ikorwa ry’amasezerano, we yari azo ko igihe cyo kwishyura ari imyaka 20 nyamara mu masezerano BK Ltd yandika ko ari imyaka 20 nk’uko biteganywa n’ingingo ya 47 y’Itegeko rigenga amasezerano (2011) ivuga ko « Iyo ukwibeshya k’uruhande rumwe mu gihe cy’ikorwa ry’amasezerano ku byerekeye icyo amasezerano yagombye kuba ashingiyeho cy’ingenzi mu gihe yakorwaga, bifite inkurikizi zimubangamiye, ku bijyanye n’ishyirwa mu bikorwa ry’ibyumvikanweho, uruhande rubangamiwe rushobora gusaba gutesha agaciro amasezerano iyo: 1° inkurikizi zo kwibeshya zituma gushyira mu bikorwa amasezerano byamubera umutwaro uremereye ; 2° urundi ruhande bagiranye amasezerano rufite uruhare mu gutuma habaho kwibeshya.»

[20] Rusanze ▇▇▇▇▇ ▇▇ contre-expertise ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇ Urukiko rubanza yakozwe na Genial Investment Services & Consulting Agency cyangwa GISCA Ltd ku wa 10/07/2015 rutashobora gushingirwaho nka contre-expertise igaragaza ko imibare y’umwenda wa ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ nk’uko iri muri raporo yakozwe n’iyo sosiyete itandukanye n’imibare ya BK Ltd kuko ku rupapuro rwa mbere y’iyo raporo, GISCA Ltd ivuga ko yayikoze idafite Situation des engagements ya ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ à ce jour, ni ukuvuga ko yakoze raporo itazi umubare w’amafaranga BK Ltd yishyuzaga ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇ hagomba kwibaza ▇▇▇ GISCA Ltd yakuyeho ko imibare y’umwenda idahuye cyane cyane ko ubwayo irangiza raporo yayo ivuga ko BK Ltd igomba gutanga andi makuru kugira ngo hakorwe expertise définitive, bivuze ko ibyakozwe na GISCA Ltd bigishidikanywaho.

[20] Rusanze rero ko nta mpamvu nimwe ifatika yari gutuma Urukiko rubanza gutegeka ko hakorwe contre-expertise ▇▇▇▇ ▇▇▇▇▇▇▇▇▇ gushingira kuri za ‘’speculations’’ z’umuburanyi ahubwo rugomba gushingira ku mpungenge yaba yaragaragaje mu buryo bufatika ashaka kwerekana ko atemeranya n’imibare y’umwenda yishyuzwa na Banki.

B- Kumenya niba amasezerano yaseshwe na BK Ltd mu buryo budakurikije amategeko.

[21] ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ avuga ko mu gika cya 12 cy’urubanza, Urukiko ruvuga ko BARIKANA atakwitwaza amabwiriza ya BNR ; nyamara asanga ibi ari ukwirengagiza icyo ingingo ya 64 y’Itegeko rigenga amasezerano iteganya kuko kuba atarabashije kwishyura kubera amasezerano ateganya ibinyuranye n’ibyo BNR itegeka, ▇▇▇▇▇ ▇▇▇ masezerano akaba yarateguwe na BK Ltd, bikaba bitari bikwiye kuba impamvu yo kuyasesa byitiriwe amakosa ya BARIKANA. Avuga ko BK Ltd yagombaga kwemera gusubira mu masezerano ikayahuza n’ayo mabwiriza, bityo n’imibare igasubirwamo.

[22] BK Ltd yiregura ivuga ko iyo mpamvu nayo nta ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ko nta kirego cyatanzwe kijyanye no gusaba gutesha agaciro amasezerano y’inguzanyo yasinywe hagati ya BK Ltd na ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ikirego cyatanzwe ni «Résiliation irrégulière et intempestive de la

convention de crédit du 03/01/2014; Demande d’une contre-expertise financière et d’un nouveau plan de remboursement ».

[23] Ku bijyanye n’icyo kibazo, Urukiko rusanze ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ amasezerano y’inguzanyo yagiranye na BK Ltd yemera ndetse ku wa 23/05/2013 ko yasomye ▇▇▇▇▇ ▇▇ yemera ibikubiyemo. Rusanze kuba yaremeye ibisabwa na BK Ltd byose mu gihe yahabwaga amafaranga, akaba rero atakwitwaza ko amasezerano ateganya ibinyuranye n’ibyo BNR itegeka cyane cyane ko atagaragaje amabwiriza ya BNR ndetse n’ingingo yayo ashingiraho avuga ko amasezerano yagiranye na BK Ltd anyuranyije nayo.

[24] Rusanze rero ko kuba ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇ inguzanyo yahawe na BK Ltd nk’uko bari babyumvikanyweho mu masezerano, BK Ltd yari ifite uburenganzira bwo kuyasesa nk’uko biteganywa n’ingingo ya 64 y’Itegeko rigenga amasezerano (2011).

C- Kumenya niba ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ kongererwa igihe cyo kwishyura umwenda.

[25] ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ avuga ko Urukiko rwaranze kumwongerera igihe cyo kwishyura yasabaga ngo kuko bitari mu masezerano, ▇▇▇ ▇▇▇▇▇ nta bushake bwo kwishyura agaragaza ; nyamara asanga Urukiko rwaratanze impamvu itari yo (fausse motivation) kandi rukirengagiza ibimenyetso byatanzwe n’urega. Avuga ko kongererwa igihe cyo kwishyura « Délai de grâce » bidashobora kuba mu masezerano, ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ rugasuzuma ishingiro byabyo. Avuga ko ku bijyanye no kugaragaza ubushake bwo kwishyura, yagaragaje Banki yemeye kugura umwenda we, n’▇▇▇ ishyirwa mu bikorwa ry’icyo cyemezo rigeze, ▇▇▇ ▇▇▇▇ mpamvu asaba igihe gito, kugira ngo formalités zirangire ; nyamara Urukiko rukaba rwarirengagije ibyo bimenyetso yarugaragarije kuko ntacyo rubivugaho mu rubanza.

[26] BK Ltd yiregura ivuga ko kubera ko ujurira atavuguruza ibyemejwe n’Urukiko rwo hasi ▇▇▇ rwemeje ko urega atagaragaza ubushobozi n’ubushake bwo kiwshyura ▇▇▇▇▇ ▇▇▇▇▇ atanemera uburyo yishyuzwa na BK Ltd (murebe igika cya 13), bityo rero ntabwo ku ruhande rumwe yaba ahakana ibikubiye mu masezerano ngo narangiza asabe ko ahabwa délai de grace; ikaba isanga harimo ukwivuguruza gukabije ku ruhande rw’uwajuriye na cyane cyane ko, mu rwego rwo gufasha urega, habayeho consolidation des engagements (▇▇▇▇▇▇ ya 17/12/2013), warning letter, (13/02/2015), Last warning letter (17/03/2015) ▇▇▇▇▇ ▇▇ kuva iburanisha ry’ibanze ryaba taliki ya 03/12/2015, ntacyo urega yari yakora kigaragaza ubwishyu bw’iryo deni; ahubwo inyungu zirakomeza kwiyongera uko bukeye n’uko bwije

*27+ Ku bijyanye n’icyo kibazo, Urukiko rusanze ko ingingo ya 142 ya Code Civil, Livre III, igika cya 2 yateganyaga ko Umucamanza ashobora kongerera umuburanyi igihe cyo kwishyura umwenda. Rusanze ariko ko iyo ngingo ari mu ngingo zigize Interuro ya mbere y’Itegeko ryo ku wa 30/07/1988 (Urwunge rw’amategeko mbonezamubano-Igitabo cya Gatatu) yavanyweho n’Itegeko rigenga amasezerano (2011) mu ngingo yaryo ya 164 ▇▇▇ havugwa hati: «Interuro ya

mbere y’Itegeko ryo kuwa 30/07/1888 ▇▇▇▇▇▇▇▇▇ imirimo nshinganwa cyangwa amasezerano n’ingingo zose z’amategeko abanziriza iri kandi zinyuranyije na ryo bivanyweho.»

[28] Rusanze ko nta hantu hamwe mu mategeko hateganyijwe ko Umucamanza ashobora kongerera umuburanyi igihe cyo kwishyura ; rusanze ndetse ko niba Umushingamategeko y’U Rwanda yumvaga ko iyo ngingo ari ngombwa, ▇▇▇▇ ▇▇▇▇ yarayigaruye mu Itegeko rigenga amasezerano ryashyizweho muri 2011.

[29] Rusanze rero ko ntaho Urukiko rubanza rwari guhera rwemeza ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ kongererwa igihe cyo kwishyura kuko bigomba ▇▇▇▇ ▇▇▇ icyemezo cyumvikanyweho n’impande zombi gusa zagiranye amasezerano asabwa kongererwaho igihe.

D- Kumenya ▇▇▇▇ ▇▇ Ltd igomba kwishyurwa amafaranga y’ikurikiranarubanza n’igihembo cy’Avoka mu bujurire.

[30] BK Ltd yatanze ubujurire bwururiye ku bundi ivuga ko kubera ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ kuyishora mu manza nta mpamvu, ▇▇▇▇▇ ▇▇▇ manza zikaba zigomba gukurikanwa ndetse no gushakirwa avoka uziburana, tikaba isaba Urukiko kumutegeka kwishyura amafaranga ahwanye Frw 1.000.000 y'ikurikirana rubanza ndetse na Frw 1.000.000 y'igihembo cy'Avoka.

*31+ Ku bijyanye n’icyo kibazo, Urukiko rusanze ko BK Ltd igomba guhabwa amafaranga y’ikurikiranarubanza n’igihembo cy’Avoka ▇▇▇▇ ▇▇▇▇▇▇ ko yashowe mu bujurire bitari ngombwa. Rusanze ariko ko amafaranga isaba akabije kuba menshi cyane cyane ko mu rwego rwa mbere yagenewe Frw 2.000.000, bityo ruka ruyigeneye mu bushishozi n’ubwitonzi bwarwo Frw 200.000 y’ikurikiranarubanza na Frw 500.000 y’igihembo cy’Avoka mu bujurire.

III. ICYEMEZO CY’URUKIKO RUKURU RW’UBUCURUZI

[32] RWEMEYE kwakira ubujurire bwa ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, RWEMEJE ko nta shingiro bufite.

[33] RWEMEYE kwakira ubujurire bwururiye ku bundi bwa BANQUE DE KIGALI Ltd, RWEMEJE ko bufite ishingiro kuri bimwe.

[34] RWEMEJE ko nta gihindutse ku rubanza ▇.▇▇▇ 1180/15/TC/NYGE rwaciwe n’Urukiko rw’Ubucuruzi rwa Nyarugenge tariki ya 06/04/2016.

[35] RUTEGETSE ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ BANQUE DE KIGALI Frw 700.000 y’ikurikiranarubanza n’igihembo cy’Avoka.

[36] RUVUZE ko rutasomwe ku wa 18/10/2016 kubera ko Umucamanza yari afite akazi kenshi.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME NONE KU WA 04/11/2016.

KANANGIRWA Epiphanie RWANYINDO ▇. ▇▇▇▇▇▇

Umwanditsi Umucamanza

Sé/ Sé/

Copie conforme à l’original Fait à Kigali le………………

Le Greffier :………………….