R. COM. AA 0001.05.CS-Jgt-BK v - pour fusion

URUBANZA R. COM AA 0001/05/CS
Urupapuro rwa 1
URUKIKO RW’IKIRENGA RURI I KIGALI, KU WA 24 KAMENA 2005,
RUHABURANISHIRIZA MU RUHAME IMANZA Z’IMBONEZAMUBANO,
IZ’UBUCURUZI, IZ’UMURIMO N’IZ’UBUTEGETSI, RWACIYE URUBANZA R.
COM. AA 0001/05/CS MU BURYO BUKURIKIRA:
Ababurana:
Uwajuriye: Banque de Kigali (B.K.), SA B.P.175 Kigali, ihagarariwe na Me
Rusanganwa Jean Bosco, Me Kazungu Jean Bosco na Me Nkurunziza FrançoisXavier;
Uregwa: NSENGIYUMVA Jean de Dieu mwene Makeke Pierre na Ntabwoba
Suzanne utuye Kimihurura, Kacyiru mu Mujyi wa Kigali, wunganirwa na Me
Nzamukwereka Venant na Me Rwagatare Janvier.
Ikiregerwa
-Kwishyurwa umwenda wa 125.179.179 Frw n’inyungu zawo;
-Amafaranga yo gukurikirana urubanza n’ayo kwishyuza umwenda.
URUKIKO;
Rushingiye ku Itegeko Nshinga rya Repubulika y’u Rwanda;
Rushingiye ku Itegeko Ngenga nº 01/2004 ryo kuwa 29/01/2004 rigena
imitunganyirize, imikorere n’ububasha by’Urukiko rw’Ikirenga;
Rushingiye ku Itegeko Ngenga nº 07/2004 ryo kuwa 25/04/2004 rigena imiterere,
imikorere n’ububasha by’inkiko;
Rushingiye ku Itegeko nº 18/2004 ryo kuwa 20/06/2004 ryerekeye imiburanishirize
y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi;
Rumaze kubona ko uru rubanza rwatangiriye mu Rukiko rwa Mbere rw’Iremezo
rwa Kigali kuri R.C. 30.524/99 rucibwa ku wa 10/12/1999 mu buryo bukurikira :
« Rwemeye kwakira no gusuzuma ikirego B.K. yashyikirije urukiko irega
Nsengiyumva umwenda n’icya Nsengiyumva Jean de Dieu cyuririye ku cya B.K.
kuko byatanzwe mu nzira zemewe kandi ko bifite ishingiro ;
Rukijije ko B.K. na Nsengiyumva Jean de Dieu batsindaguranye ;
Rutegetse Nsengiyumva Jean de Dieu kuriha B.K. umwenda wa 92.934.319 Frw
(142.579.319 Frw -49.645.000 Frw) n’inyungu zizawukomokaho mu gihe cy’amezi 18
nk’uko bisobanuwe muri za « Rusanze »;
URUBANZA R. COM AA 0001/05/CS
Urupapuro rwa 2
Rutegetse B.K. kuriha Nsengiyumva Jean de Dieu amafaranga 49.645.000 Frw, ariko
agakurwa mu mwenda we ungana na 142.579.319 Frw nk’uko asobanuwe muri
« Rusanze » ;
Rutegetse Nsengiyumva Jean de Dieu gutanga umusogongero wa Leta ungana na
142.579.319 Frw x 4%=5.703.173 Frw akayatanga mu gihe giteganyijwe, atayatanga
akavanwa mu bye ku ngufu za Leta ;
Rutegetse B.K. kuriha umusogongero wa Leta ungana na 49.645.000 Frw
x4% =1.985.800, itayatanga agakurwa mu byayo ku ngufu za Leta ;
Rutegetse ko ifatira ryakozwe na huissier rivuyeho, imodoka zigasubizwa nyirazo ;
Rubategetse bombi gufatanya kuriha amagarama angana na 3.500 Frw B.K. ihereye
ku 2.500 Frw yatanzeho ingwate »;
Rumaze kubona ko B.K. itishimiye imikirize y’urubanza iyijuririra mu Rukiko
rw’Ubujurire rwa Kigali, urubanza rwandikwa kuri RCA 12.918/Kig. rucibwa ku wa
10/12/2001 mu buryo bukurikira :
« Rwemeye kwakira ubujurire bwakozwe na B.K. kuko bwaje mu nzira zemewe
n’amategeko ;
Rwemeje ko ubujurire bwuririye ku bundi bwakozwe na Nsengiyumva Jean de Dieu
bufite ishingiro kuri bimwe nk’uko byasobanuwe muri « rusanze »;
Rukijije ko urubanza RC 30524/99 ruhindutse kuri bimwe;
Rukijije ko B.K. na Nsengiyumva Jean de Dieu batsindaguranye ;
Rubategetse gufatanya gutanga amagarama y’ibyakozwe muri uru rubanza uko ari
7.200 Frw, umwe agatanga 3.600 Frw ariko B.K. igahabwa n’ingwate yatanze
ijurira »;
Rumaze kubona ko B.K. itishimiye icyemezo cy’Urukiko rw’Ubujurire maze
ikagisabira iseswa mu Rukiko Rusesa Imanza, ikirego cyandikwa kuri RCP 1305
ariko amategeko ahinduka urubanza rutaraburanishwa, maze rushyirwa mu Rukiko
rw’Ikirenga kugirango ruzaburanishwe hakurikijwe ububasha bushya bw’inkiko ;
Rumaze kubona itegeko rya Perezida w’Urukiko rw’Ikirenga n°004/2005/R.COM
ryo ku wa 21/3/2005 rishyira iburanisha ry’uru rubanza ku wa 12/4/2005;
Rumaze kubona ko uwo munsi ugeze urubanza rwatangiye, B.K. ihagarariwe na Me
Kazungu Jean Bosco na Me Rusanganwa Jean Bosco, naho Nsengiyumva Jean de
Dieu yunganirwa na Me Nzamukwereka Venant;
URUBANZA R. COM AA 0001/05/CS
Urupapuro rwa 3
Rumaze kumva Me Nzamukwereka avuga ko atiteguye kuburana, kuko ababuranira
B.K bamuhaye ako kanya umwanzuro ugaragaza inyungu Nsengiyumva yishyuzwa,
asaba igihe cyo kuzisuzuma no kuzivuganaho n’uwo yunganira;
Rumaze kumva asaba ko Me Rusanganwa ataburanira B.K. ngo kuko yari asanzwe
aburanira Nsengiyumva akaba ashobora kuba hari amabanga yamubwiye yerekeye
urubanza rwe;
Rumaze kumva ababuranira B.K. bavuga ko urupapuro bahaye Me Nzamukwereka
nta bishya birimo kuko ari urugaragaza aho inyungu Nsengiyumva yishyuzwa
zigeze; kandi ko urwo rupapuro rushobora kugaragazwa umunsi w’iburanisha
cyangwa igihe cyo guca urubanza; bemera ariko ko uburanira Nsengiyumva afite
uburenganzira bwo guhabwa umwanya uhagije wo gusuzuma izo nyungu ;
Rumaze kumva bahakana inzitizi yatanzwe na Me Nzamukwereka y’uko Me
Rusanganwa adashobora kuburanira B.K., bemera ko yigeze kuburanira
Nsengiyumva mu manza zitandukanye ariko ko nta masezerano ahoraho bagiranye
kandi ko izo manza zindi nta sano zifitanye n’urubanza ruburanwa; ko rero nta
nyungu afite mu rubanza ruburanwa, ko ariko haramutse hari ikibazo urukiko
rwabaza Umukuru w’Urugaga rw’Abavoka;
Rumaze kubona ko nyuma yaho urukiko rwiherereye rugafata umwanzuro kuri izo
nzitizi, rugasanga nta kimenyetso kigaragaza ko hari ibyo Me Rusanganwa yaba
yaramenye mu zindi manza bifitanye isano n’urubanza ruburanwa, rusanga kandi
Me Nzamukwereka yahabwa umwanya wo gusuzuma inyandiko yashyikirijwe,
maze urubanza rwimurirwa ku itariki ya 24/05/2005;
Rumaze kubona ko urubanza rusubukuwe Me Rwagatare Janvier wunganiraga
Nsengiyumva uwo munsi yavuze ko Me Nzamukwereka wari watangiye
kuruburana yari arwaye, ko we hashize igihe gito abonye dosiye, asaba ko urubanza
rwimurwa kugirango abone umwanya wo kuyitegura, maze urubanza rwimurirwa
kuwa 26/05/2005;
Rumaze kubona ko kuri iyo tariki B.K. yari ihagarariwe na Me Kazungu, Me
Rusanganwa na Me Nkurunziza Francois Xavier, naho Nsengiyumva yunganirwa na
Me Nzamukwereka na Me Rwagatare;
Rumaze kumva raporo y’umucamanza wateguye urubanza;
Rumaze kubona ko iburanisha ritangiye ababuranira Nsengiyumva basabye urukiko
kutakira ikirego cya B.K. bashingiye ku ngingo ya 18 n’iya 258 z’itegeko n° 06/1988
ryo ku wa 12/2/1988 ritunganya amasosiyete y’ubucuruzi, ngo kuko B.K. yagaragaje
ko amategeko ayigenga yatangajwe mu Igazeti ya Leta n° 3 yo ku wa 1/2/1967 aho
kwerekana aho yatangajwe hakurikijwe iryo tegeko rishya;
URUBANZA R. COM AA 0001/05/CS
Urupapuro rwa 4
Rumaze kumva ababuranira B.K. bavuga ko stati nshya zayo zatangajwe
hakurikijwe itegeko rishya kandi ko babigaragaje mu nkiko zibanza, basaba ko
urubanza rwakomeza bakazabigaragaza mbere y’uko urubanza rusomwa, maze
urukiko rwemeza ko iburanisha rikomeza bakazerekana aho amategeko ayigenga
yatangajwe hakurikijwe itegeko rishya;
Rumaze kumva bibutsa inyandiko zikubiyemo amabwiriza ya BK akurikizwa mu
gufungura konti, mu gutanga inguzanyo n’ingwate, ko ibyo byose Nsengiyumva
yari yarabisinyiye, bikaba byaranagendaga byibutswa mu nguzanyo yagiye ahabwa;
ko rero nta nyandiko nshya BK yazanye mu rubanza ku byerekeranye n’ayo
mabwiriza kimwe no ku byerekeranye n’ikigero cy’umwenda Nsengiyumva
yishyuzwa;
Rumaze kumva bibutsa nanone ko ubusanzwe umuntu wese ufunguye konti muri
BK ahabwa amabwiriza rusange yayo (Règlement général des opérations) ayemerera
gukoresha amafaranga ari kuri konti ye mu kwiyishyura umwenda ayibereyemo
warengeje igihe, ko ari nako byagenze kuri Nsengiyumva;
Rumaze kumva bavuga ko B.K. yishyuza Nsengiyumva amafaranga 125.179.179 Frw
y’umwenda w’iremezo, inyungu zawo zingana na 198.966.885 Frw na 10% yo
kuwishyuza (frais de recouvrement) ahwanye na 12.517.917 Frw nk’uko agaragara
mu rupapuro bashyikirije urukiko tariki 24/5/2005, ko kandi Nsengiyumva atigeze
ahakana uwo mwenda yishyuzwa n’inyungu zawo mu nkiko zabanje;
Rumaze kumva bavuga ko Urukiko rw’Ubujurire rwavuze amafaranga rwategetse
B.K. kwishyura Nsengiyumva nyamara rutavuze aho ava, impamvu zayo n’uko
yabazwe, bahakana n’inyungu za 16% ku mafaranga y’amahanga (devises) bavuga
ko zitabaho;
Rumaze kumva bavuga ko mu mabwiriza ya banki hari ihame ryo guhuza konti
(principe de l’unicité de comptes) rivuga ko konti zose umukiriya afite muri banki
ziba zishamikiye kuri konti nkuru yafunguye mbere; zikaba zinashobora
gukoreshwa mu kwiyishyura umwenda afitiye banki;
Rumaze kumva bavuga ko B.K. yakoresheje amafaranga yari kuri konti za
Nsengiyumva yiyishyura hakurikijwe ihame ryo guhuza konti n’amasezerano
bagiranye, kandi na Nsengiyumva akaba atarigeze abihakana mu gihe cy’iminsi 30
giteganywa n’amabwiriza ya banki (règlement);
Rumaze kumva bavuga ko ku birebana na 80.000 US $, Nsengiyumva yari
yarayahayeho B.K. ingwate hakurikijwe amasezerano yihariye (nantissement de
créance) bagiranye avuga ko naramuka atishyuye yakoreshwa mu kwiyishyura;
Rumaze kumva bavuga ko mu gufatira 80.000 US $ B.K itagombaga kubishakira
inyandiko-mpesha ngo kuko yari yaratanzweho ingwate mu masezerano yihariye
URUBANZA R. COM AA 0001/05/CS
Urupapuro rwa 5
(nantissement de créance) iyashyira mu maboko ya banki (gage avec dépossession),
bakomeza basobanura ko ingingo ya 496 y’igitabo cya gatatu cy’amategeko
mbonezamubano (CCL III) yerekeye kudakoresha ibintu byabikijwe, abunganira
Nsengiyumva baburanisha, ikurwaho n’ingingo ya 33 CCL III iha agaciro
amasezerano bumvikanyeho;
Rumaze kumva bavuga ko hari ihame ryerekeye guhwanya imyenda riteganyijwe
mu ngingo ya 181 na 182 CC L.III rikoreshwa umuntu atarinze kubisaba urukiko (de
plein droit);
Rumaze kumva ku byerekeye inyungu kuri ayo madorali 80.000, ababuranira B.K
bavuga ko zitagomba gutangwa, kuko yari yarayabikije kuri konti itabyara inyungu
(dépot à vue), kandi ko n’ubusanzwe inyungu zihabwa umuntu wabikije
amafaranga zidashobora kujya hejuru y’9% ku manyarwanda na 1% ku madorali
(US $);
Rumaze kumva bavuga ko Nsengiyumva atagomba nanone guhabwa 80.000 US $
kuko yayavuze bwa mbere mu Rukiko rw’Ubujurire asobanura impamvu atishyuye,
bavuga ko ubujurire bwuririye ku bundi buyasaba butagombaga kwakirwa n’urwo
rukiko Nsengiyumva aterekanye ko yayatse mu rukiko rubanza rukayamwima;
Rumaze kumva ku byerekeranye n’imodoka za Nsengiyumva zafatiriwe,
ababuranira B.K bavuga ko izo modoka zashoboraga gufatirwa hakurikijwe ingingo
ya 12 y’Iteka ryo ku wa 12/1/1920 ryerekeye ingwate ku bucuruzi (gage du fond de
commerce, escompte et gage de la facture commerciale) n’amasezerano bagiranye,
kuko zari mu bucuruzi bwe yatanzeho ingwate (gage sur le fond de commerce);
Rumaze kumva ababuranira B.K. bavuga ko hakurikijwe iyo ngingo B.K.
yashoboraga gufatira ibyo yatanzeho ingwate nta nyandiko-mpesha, ko gusaba
uruhushya rw’umucamanza byari gukorwa ari uko ishaka kubiteza cyamunara;
Rumaze kumva bavuga ko B.K. itagomba kwishyura amafaranga Nsengiyumva
avuga ko yakoresheje mu gukodesha imodoka zisimbura izafatiriwe haramutse hari
amakosa yabaye, kuko umuhesha w’inkiko wazifatiriye yashyizweho na Minisiteri
y’Ubutabera;
Rumaze kumva bemeza ko imodoka zitarekuwe n’Urukiko rwa Mbere rw’Iremezo
rwa Kigali, ko ahubwo zahise zirekurwa na BK bisabwe na Avoka wa Nsengiyumva,
ko rero atagombaga kubisabira indishyi;
Rumaze kumva bavuga ko hari inyandiko Nsengiyumva yakoze kuwa 15/07/2003
ivuga ko aretse gukoresha impapuro zishyuza amafaranga yo gukodesha imodoka
zasimbuye izari zafatiriwe, ko kandi B.K. atariyo yamuhatiye kuyikora, bakomeza
bavuga ko ababuranira Nsengiyumva bivuguruza iyo bavuga ko yahatiwe gukora
URUBANZA R. COM AA 0001/05/CS
Urupapuro rwa 6
iyo nyandiko kugirango adafungwa, ku rundi ruhande bakavuga ko umunsi ayikora
ari nabwo yajyanywe gufungwa muri gereza nkuru ya Kigali;
Rumaze kumva bavuga ko ibyavuzwe n’abunganira Nsengiyumva ko atahawe
integuza mbere yo gufatira imodoka zatanzweho ingwate atari byo, muri dosiye
hakaba hari integuza zirenga 4;
Rumaze kubona ko iburanisha rigikomeza batanze Igazeti ya Leta n°19 yo kuwa
1/10/89 yerekana ko amategeko agenga BK yayitangajwemo kuva ku rupapuro rwa
1529 kugeza kurwa 1564;
Rumaze kumva abunganira Nsengiyumva bavuga atigeze ahabwa amabwiriza yo
guhabwa umwenda (réglement d’ouverture de crédits) na BK, ko ayo yahawe ari aya
Banki y’Ubucuruzi y’u Rwanda (BCR) ari nayo ari muri dosiye, ko rero amabwiriza
ya B.K. batanze mu Rukiko rw’Ikirenga ari ikimenyetso gishya;
Rumaze kumva bemera ko B.K. yishyuza Nsengiyumva amafaranga y’umwenda
hakurikijwe amasezerano bagiranye, ariko bakavuga ko kudashobora kuwishyura
mu gihe byatewe n’impamvu B.K. yagombaga kumva zirimo imodoka ze yafatiriye,
imanza yagize n’igihombo yatewe n’abantu batandukanye harimo na B.K. ubwayo;
Rumaze kumva bemera ko mu masezerano yakozwe, imodoka za Nsengiyumva zari
zatanzweho ingwate ariko ko ayo amasezerano atagaragaza imodoka zagombaga
gufatwa izo arizo n’umubare wazo, ngo kuko Nsengiyumva yari afite amakamyo
n’izindi modoka mu bucuruzi bwe;
Rumaze kumva bavuga ko ifatira ry’izo modoka ryakozwe na BK mu buryo
bunyuranyije n’amategeko n’imihango yo gufatira ibyatanzweho ingwate (saisie et
réalisation du gage), ngo kuko itari ifite uburenganzira bwo kwiyishyura itabisabiye
uruhushya, kandi iryo fatira rikaba ritarabanjirijwe n’integuza;
Rumaze kumva bavuga ko mu gufatira imodoka za Nsengiyumva, B.K. yamushyize
mu buryo butuma adashobora kwishyura kuko arizo yakuragaho ubwishyu;
Rumaze kumva bavuga ko B.K. yemera ko habaye amakosa mu gufatira izo modoka
ariko ikayashyira ku muhesha w’inkiko wazifatiriye, ngo kuko yashyizweho na
Minisitiri w’Ubutabera, basaba ko B.K ariyo yaryozwa amakosa ye kuko yari
umukozi wayo, ikamuha amabwiriza nk’uko byemejwe n’urubanza rw’Urukiko
rw’Ubujurire rwa Kigali;
Rumaze kumva bavuga ko imodoka za Nsengiyumva zarekuwe n’Urukiko rwa
Mbere rw’Iremezo rwa Kigali tariki ya 10/12/1999 kandi ko ibyo bigaragara muri
“Rutegetse“ya nyuma aho byanditse ko “ifatira ryakozwe n’umuhesha w’inkiko ku
modoka rivuyeho”;
URUBANZA R. COM AA 0001/05/CS
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Rumaze kumva basaba ko ibaruwa yo kuwa 15/7/2003 Nsengiyumva yandikiye
B.K. avuga ko atagishingiye ku mpapuro (reçus) yari yashyikirije inkiko zo
kwishyuza amafaranga yo gukodesha imodoka zisimbura izafatiriwe itahabwa
agaciro, kuko yayandikishijwe ku gahato na Parike ibisabwe na B.K., akaba
yarayanditse agirango bamurekure ku cyaha cyo kwandika no gukoresha inyandiko
mpimbano yari akurikiranyweho;
Rumaze kumva bavuga ko B.K. yagombaga kuzana mu rukiko impapuro zigaragaza
uburyo Nsengiyumva yagiye afata imyenda n’uburyo yishyuraga, aho kuvuga aho
umwenda ugeze gusa (actualisation);
Rumaze kumva bahakana ko ikirego kireba 80.000 US $ atari gishya mu rwego
rw’ubujurire, kuko Me Muligande waburaniye Nsengiyumva mbere yayaburanye
avuga ko mu mpamvu zatumye ananirwa kwishyura ari uko B.K. yayafatiriye, na
nyuma abigira ikirego mu bujurire bwuririye ku bundi kubera ko Urukiko rwa
Mbere rw’Iremezo ntacyo rwari rwayavuzeho;
Rumaze kumva basaba ko 80.000 US $ yasubizwa Nsengiyumva n’inyungu zibazwe
kuri 25%, babajijwe uko bazibara bavuga ko n’ubwo umwenda utangwa ku nyungu
zo hasi, ariko ko iyo umuntu atinze kwishyura banki ishyiraho inyungu
z’ubukererwe bikagera kuri 25%, bongeraho ariko ko izo nyungu zidashoboye
gukoreshwa ku madolari urukiko rwazareba izemewe mu manyarwanda;
Rumaze kumva bavuga ko Nsengiyumva yakoranaga neza na BK kugeza ubwo
imwimye uruhushya rwo gutumiza amamodoka mu mahanga (licence
d’importation), n’amafaranga yaca kuri konti ze ikayafatira, bituma yimukira muri
BCDI bamuha amafaranga mu buryo buruhanyije, bimutera igihombo asabira B.K.
indishyi hashingiwe ku ingingo ya 258 CCL III ;
Rumaze kumva basaba ko urubanza rwaciwe n’Urukiko rw’Ubujurire rwagumaho
uko ruteye usibye ibijyanye no gushyira inyungu ku gihe;
Rumaze kubona ko nyuma yaho urukiko rwiherereye rugaca urubanza mu buryo
bukurikira:
Rusanze igihe cy’iburanisha ababuranira B.K. barerekanye Igazeti ya Leta n° 19 yo
ku wa 1/10/1989 yatangajwemo amategeko mashya ayigenga kuva ku rupapuro
rwa 1529 kugeza ku rwa 1564 hakurikijwe itegeko rishya no 06/1988 ryo kuwa
12/2/1988 ritunganya amasosiyete y’ubucuruzi; bityo inzitizi yatanzwe
n’ababuranira Nsengiyumva basaba ko ikirego cyayo kitakwakirwa ikaba nta
shingiro ifite;
Rusanze Nsengiyumva yari umukiriya wa B.K. kuva mbere ya 1994, ikaba yaragiye
imuguriza amafaranga nawe yishyura mu buryo butandukanye ku buryo tariki
20/5/99 umwenda w’iremezo wari ugeze kuri 125.179.179 Frw n’inyungu zawo
URUBANZA R. COM AA 0001/05/CS
Urupapuro rwa 8
zingana na 7.562.223 Frw, Nsengiyumva akaba atarabihakanye mu nkiko zibanza;
ubu inyungu zawo zikaba zibarirwa kuri 198.966.885 Frw, ku itariki ya 12/4/2004
nk’uko byagaragajwe n’abunganira B.K. kandi na Nsengiyumva akaba
atarabihakanye;
Rusanze hari agatabo gahabwa umuntu ufunguye konti muri B.K. gakubiyemo
amabwiriza agenga imirimo yayo (Règlement général des opérations), ndetse no
muri dosiye y’urubanza kakaba karimo karatanzwe mbere mu nkiko zibanza,
hakaba n’amabwiriza agenga inguzanyo (clauses et conditions de règlement des
ouvertures de crédits) yahawe Nsengiyumva akanayasinyaho, ayo mabwiriza akaba
ariyo izindi nguzanyo yahawe nyuma zagiye zishingiraho nk’uko bigaragara mu
nzandiko zinyuranye banki yagiye imwandikira;
Rusanze ingingo ya 15 n’iya 16 z’amabwiriza agenga inguzanyo (clauses et
conditions de règlement des ouvertures de crédits) kimwe n’ibikubiye mu gatabo
k’amabwiriza rusange agenga imirimo ya B.K. (Règlement général des opérations)
ku mpampuro za 9,10 na 12 biteganyijwe ko banki ifite uburenganzira bwo guhuza
konti zitandukanye umukiriya afite muri banki n’amashami yayo zikaba konti imwe
rukumbi banki ishobora guheraho yiyishyura umwenda iberewemo;
Rusanze hakurikijwe ibiteganywa n’ingingo ya 33 y’igitabo cya gatatu cy’amategeko
mbonezamubano, amasezerano yakozwe mu buryo buhuye n’amategeko afatwa
nk’itegeko kubayagiranye (les conventions légalement formées tiennent lieu de loi à
ceux qui les ont faites);
Rusanze amasezerano yasinywe hagati y’ababuranyi bombi yarahaye B.K.
uburenganzira bwo gukoresha amafaranga ari kuri konti za Nsengiyumva mu
kwishyura umwenda ayibereyemo, ibyo bikaba bitabangamiye ingingo ya 496
y’igitabo cya gatatu cy’amategeko mbonezamubano ivuga ko uwabikijwe
adashobora gukoresha ubwe ikintu yabikijwe, atabiherewe uruhushya ku buryo
bweruye cyangwa buteruye n’uwabikije (Il ne peut se servir de la chose déposée,
sans la permission expresse ou présumée du déposant); kuko urwo ruhushya B.K.
iruhabwa n’amasezerano yihariye bagiranye;
Rusanze hakurikijwe ibivugwa n’abahanga mu mategeko kimwe no mu bijyanye
n’imikorere y’amabanki, amasezerano yerekeye guhuza konti (conventions d’unité
ou de fusion de comptes) akurikizwa nta yindi mihango igombye kubahirizwa;
(Michel Cabrillac & Christian Mouly, Droit des Suretés, 1999, 5ème Edition, p.557);
Rusanze rero B.K. yari ifite uburenganzira bwo gufata amafaranga yacaga kuri konti
za Nsengiyumva kugirango yiyishyure umwenda yari ayibereyemo;
Rusanze mu buryo bw’umwihariko, B.K. yari ifite uburenganzira bwo gukoresha
amadolari 80.000 yari kuri konti ya Nsengiyumva mu rwego rwo kwiyishyura
URUBANZA R. COM AA 0001/05/CS
Urupapuro rwa 9
umwenda yayigombaga, akaba yaranayahayeho B.K. ingwate mu masezerano
yihariye bagiranye (nantissement de créance) yo ku wa 23/2/1996;
Rusanze ikirego Nsengiyumva yatanze kirebana n’ayo madolari 80.000 cyaratanzwe
bwa mbere mu rwego rw’ubujurire, ariko hakurikijwe ibiteganyijwe mu ngingo ya
233 y’Itegeko ryo kuwa 15/7/1964 ryerekeye imiburanishirize y’imanza
z’imbonezamubano n’ubucuruzi ryakoreshwaga igihe ubujurire bwakorwaga, ibyo
bikaba byarashobokaga mu gihe bigamije kwiregura ku kirego cy’ibanze; ko ariko
ibyo ntacyo bishobora kumarira Nsengiyumva kubera ibyasobanuwe muri rusanze
zibanziriza iyi;
Rusanze ibyerekeranye n’inyungu Nsengiyumva avuga ko yatakaje (manque à
gagner) asaba ngo kubera ko B.K. yafatiraga amafaranga ye ikayiyishyura bituma
yimukira muri BCDI, naho bamuha inguzanyo ariko mu buryo buruhanyije
bimutera igihombo nta shingiro bifite ryatuma B.K. ibiryozwa, kuko ibyo B.K.
yakoze bitanyuranyije n’amategeko;
Rusanze ku byerekeye imodoka za Nsengiyumva zafatiriwe na B.K., hari
amasezerano yo kuwa 22/11/1993 Nsengiyumva yagiranye n’iyo banki atangaho
ingwate ubucuruzi bwe (gage sur le fond de commerce), bugizwe n’ibintu
bitandukanye birimo amamodoka;
Rusanze kandi ayo masezerano yaravuze imodoka muri rusange, bivuga ko imodoka
zose za Nsengiyumva zatanzweho ingwate;
Rusanze hakurikijwe ingingo ya 12 y’Iteka (Décret) ryo kuwa 12/1/1920 ryerekeye
ingwate ku bigize ubucuruzi (gage du fond de commerce, escompte et gage de la
facture commerciale), uberewemo umwenda ashobora, abikoreye rimwe no guha
umubereyemo umwenda integuza (mise en demeure), gufatira ibigize ubucuruzi
yahaweho ingwate, atagombye kubisabira uruhushya mu nkiko;
Rusanze hakurikijwe ibisobanuro by’abahanga, integuza (mise en demeure) ari
inyandiko uberewemo umwenda ashyikiriza uwumubereyemo amwishyuza,
ishobora gukorwa mu buryo bunyuranye nk’urwandiko rw’Umuhesha w’Inkiko
rumwihanangiriza ko agomba kwishyura (sommation), urwandiko rusanzwe
cyangwa indi nyandiko imeze nkazo;
Rusanze B.K. yarandikiye Nsengiyumva amabaruwa atandukanye imwereka aho
umwenda ayibereyemo ugeze, hakaba n’itegeko ribanziriza ifatira ry’ibicuruzwa
ryatanzwe n’Umuhesha w’Inkiko kuwa 23/10/1996 ryasinyweho na Madame
Nsengiyumva witwa Mukasafari Clementine;
Rusanze B.K.yari ifite uburenganzira bwo gufatira imodoka zatanzweho ingwate,
kuba hari izindi Nsengiyumva yaba yarakodesheje asimbura izafatiriwe bikaba
bitaryozwa B.K.;
URUBANZA R. COM AA 0001/05/CS
Urupapuro rwa 10
Rusanze imodoka za Nsengiyumva zari zafatiriwe zararekuwe na B.K. bisabwe na
Me Mutagwera wamwunganiraga, zisubizwa Madame we n’ibyangombwa byazo,
ariko ntihabaho umuhango wo kuzirekura;
Rusanze n’ubwo nta muhango wo kuzirekura (main-levée) wakozwe bitavuga ko
B.K. nta burenganzira yari ifite bwo kuzifatira;
Rusanze ariko kuba uwo muhango utarakozwe na B.K. byafatwa nk’aho zari
zigifatiriye kugeza igihe zarekuwe n’icyemezo cy’urukiko cyo ku wa 10/12/1999,
bityo Nsengiyumva akaba yasubizwa amafaranga yakoresheje mu kuzirinda;
Rusanze Nsengiyumva akwiye guhabwa amafaranga 740.000 Frw yo kwishyura
umuzamu warinze imodoka ze zari zafatiriwe nk’uko yari yagenwe n’Urukiko rwa
Mbere rw’Iremezo kandi uko angana na B.K. ikaba itarabihakanye;
Rusanze ibibazo Nsengiyumva yaba yaragiranye n’andi mabanki bitaryozwa B.K.,
kuko ibyo B.K. yakoze bishingiye ku mategeko no ku masezerano bagiranye;
Rusanze B.K. ikwiye kugenerwa amafaranga 1.500.000 Frw yo kwishyuza umwenda
(frais de recouvrement) kuko 12.517.917 Frw ahwanye na 10% y’umwenda-remezo
yasabye akabije kuba menshi kandi ikaba itaragaragaje aho ashingiye mu mategeko;
Rusanze B.K. kwiye guhabwa amafaranga yakoresheje mu gukurikirana urubanza
angana na 631.300 Frw nk’uko yayasabye kandi umuburanyi wayo ntayahakane;
Kubera izo mpamvu:
Rwemeye kwakira ubujurire bwatanzwe na B.K. kuko bwaje mu nzira no mu buryo
bukurikije amategeko;
Rwemeye kwakira ubujurire bwuririye ku bundi bwatanzwe na Nsengiyumva kuko
bwaje mu nzira no mu buryo bukurikije amategeko;
Rukijije ko B.K. itsinze ;
Rukijije ko na Nsengiyumva Jean de Dieu atsinze ku byerekeye amafaranga
y’umuzamu wacunze imodoka ze;
Ruvuze ko urubanza rwaciwe n’Urukiko rw’Ubujurire rwa Kigali ruhindutse;
Rutegetse Nsengiyumva kwishyura B.K. umwenda w’iremezo ungana n’amafaranga
125.179.179 Frw n’inyungu zawo zingana n’amafaranga 198.966.885 zibazwe kugeza
tariki 12/4/2005, amafaranga yo kwishyuza umwenda ahwanye na 1.500.000 Frw
hamwe n’amafaranga 631.300 Frw yo gukurikirana urubanza, yose hamwe akaba
326.277.364 Frw ;
URUBANZA R. COM AA 0001/05/CS
Urupapuro rwa 11
Rutegetse Nsengiyumva kwishyura umusogongero wa Leta wa 4% wa 326.277.364
Frw ungana na 13.051.094 Frw, atayatanga mu gihe gitegetswe agakurwa mubye ku
ngufu za Leta ;
Rutegetse B.K. kwishyura Nsengiyumva amafaranga 740.000 Frw y’umuzamu
wacunze imodoka ze ;
Rutegetse B.K. kwishyura umusogongero wa Leta wa 4% wa 740.000 Frw ungana na
29.600 Frw ;
Rutegetse B.K na Nsengiyumva gufatanya kwishyura amagarama y’uru rubanza
angana n’amafaranga 13.500 Frw, BK igahera kuyo yatanzeho ingwate ijurira,
batayatanga mu gihe gitegetswe agakurwa mu byabo ku ngufu za Leta;
RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME KU WA 24/6/2005
N’URUKIKO RW’IKIRENGA, RUGIZWE NA CYANZAYIRE ALOYSIE: PEREZIDA,
KAYIHURA DESIRE NA HAVUGIYAREMYE JULIEN: ABACAMANZA,
BAFASHIJWE NA RUSINGIZA GERMAIN UMWANDITSI W’URUKIKO.
KAYIHURA Désiré
Umucamanza
Sé
CYANZAYIRE ALOYSIE HAVUGIYAREMYE Julien
Perezida
Umucamanza
Sé
Sé
RUSINGIZA Gérmain
Umwanditsi
Sé
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