• 14/12/2019 7:45 28

“Ukuri guca mu ziko ntigushye!”, soma urubanza rw’Umuturage na BRD

Iyi ni inyandiko ya HAKORIMANA Donatien
Writer, Consultant, Philosopher, Theologian, Counselor and Manager
C/O Impuhwe Z’Imana Stationery, Ltd.

Yahisemo gutambutsa iyi nkuru y’urubanza yakurikiranye, kuko asanga yafasha benshi kugirira ikizere inzego z’ubutabera mu Rwanda, umuturage yatsinze ikigo gikomeye kitwa BRD, ndetse Urukiko rutegeka ko kimuha indishyi z’akababaro.

Soma urubanza rwose n’imyanzuro yarwo:

Ngo burya “umugani ugana akariho”.  Kenshi na kenshi dukunze kuvuga ngo “ukuri guca mu ziko ntigushye”, rimwe na rimwe tukigiramo ugushidikanya twibaza niba muri iyi Si ya none bishoboka ko uku kuri kwaca muziko ntigushye. Nk’umuntu ukunze gukurikirana uko Isi yacu iteye, nta shiti, ndahamya rwose ko “ukuri guca mu ziko ntigushye”. Hari igihe bitinda ariko byanze bikunze uku kuri gutahukana insinzi.

Mu rwego rwo kwirinda kujya mu magambo menshi, reka mbagezeho uru rugero rw’umudamu UWIZEYIMANA Alphonsine wagiranye ikibazo mu masezerano y’inguzanyo yo ku itariki ya 09/11/2016 na BRD (Banki ishinzwe iterambere mu Rwanda). UWIZEYIMANA Alphonsine yakoze ibishoboka byose kugira ngo ikibazo ke na BRD gikemuke mu bwumvikana ariko inzira zose zo kumvikana zirananirana. Ubwo byabaye ngombwa ko UWIZEYIMANA Alphonsine yiyambaza Urukiko rw’Ubucuruzi rwa Kigali mu rubanza RCOM 01760/2018/TC.

Nubwo bwose UWIZEYIMANA Alphonsine yahisemo kwiburanira yanga ko ukuri gukomeza gupfukiranwa, uyu mugani “ukuri guca mu ziko ntigushye” watahukanye insinzi. Ibibazo byose byashyikirijwe urukiko mu rubanza RCOM 01760/2018/TC UWIZEYIMANA Alphonsine yarezemo BRD, urukiko rwarabisuzumye rubiha ishingiro haba mu kirego –remezo ndetse no mu bujurire. Urukiko rwasabye BRD kuzana ibindi bimenyetso byo guhamya ibyo BRD yavugaga, BRD irabibura maze urukiko ruhamya ishingiro ry’ikirego cya UWIZEYIMANA Alphonsine nk’uko bigaragazwa mu mwanzuro w’urubanza RCOM 01760/2018/TC  rwaciwe tariki ya 11/01/2019 n’umwanzuro w’urubanza RCOMA 00218/2019/HCC rwaciwe ku itariki ya 15/11/2019.

Muri uru rubanza, urukiko rwasesenguye kandi rufata imyanzuro ikurikira itakigibwaho impaka:

  1. Rwasesenguye amasezerano y’inguzanyo yo ku wa 09/11/2016 ababuranyi bashyizeho umukono, aho BRD yiyemeje guha UWIZEYIMANA Alphonsine amafaranga y’ikiciro cya mbere bitarenze tariki ya 30/09/2016 kugira ngo hishyurwe umwenda UWIZEYIMANA Alphonsine yari abereyemo BPR Ltd, igice cya kabiri bakayamuha bitarenze ukwezi kwa 10/2016, igice cya gatatu bakayamuha bitarenze ukwezi kwa 11/2016, naho igice cya kane bakayamuha bitarenze ukwezi kwa 12/2016;
  2. Rwasesenguye ibaruwa UWIZEYIMANA Alphonsine yandikiye BRD yo ku wa 02/02/2017 isaba kubahiriza amasezerano, nyamara RDB ikamwandikira isesa amasezerano mu nyandiko yo ku wa 14/02/2017, ikayasesa ari uko uwagurijwe asabye ko amasezerano yakubahirizwa, dore ko BRD yari imaze kugira ubukererwe burenze amezi ane idashyira amasezerano mu bikorwa kandi izi neza ko itagombaga kurenza tariki ya 30/09/2016 idahaye UWIZEYIMANA Alphonsine amafaranga y’ikiciro cya mbere. Ibi bigaragaza ko ubukererwe bwatewe n’uko BRD itubahirije amasezerano ;
  3. Rwasesenguye imvugo za RDB yashingiyeho mu gusesa amasezerano, rusanga izo zidahuye, cyane ko mu nyandiko isesa amasezerano yo ku wa 14/02/2017 bavuga ko uregwa atishyuye neza inguzanyo yahawe na BPR, bityo ngo yashyizwe mu kiciro cya kabiri ubundi ngo n’icya gatatu, ubundi bakavuga ko atitaye ku mushinga yasabiye inguzanyo, ubundi bakavuga ko yahinduye umushinga, ubundi ngo nta murongo uhamye afite, ubundi ngo UWIZEYIMANA Alphonsine yarabeshye. Rero izo mvungo nta shingiro zahabwa kuko nta kimenyetso na kimwe kigaragaza ko UWIZEYIMANA Alphonsine hari icyo yabeshye BRD mu gusaba inguzanyo, dore ko BRD mbere yo kumwemerera inguzanyo yabanje gusaba UWIZEYIMANA Alphonsine kuzuza ibisabwa kugira ngo ayihabwe, UWIZEYIMANA Alphonsine akabikora, akaba ari yo mpamvu bagiranye amasezerano hagatangwa n’ingwate;
  4. Rwasuzumye raporo ya CRB yo ku wa 12/01/2017 na Email yo ku wa 3/2/2017 uregwa ashingiraho avuga ko byatanzwe na BPR, bitahabwa agaciro kuko uretse n’uko ibyo bimenyetso bigaraza ko byatanzwe mu gihe inguzanyo UWIZEYIMANA Alphonsine yari abereyemo BPR yakagobwe kuba yishyurwa na BRD nk’uko yari yabyiyemeje ko izawishyura bitarenze tariki ya 30/09/2016, biragaragara ko ubukererwe bwaturutse kuri BRD kuko BRD tariki ya 16/09/2016 yandikiye BPR iyibaza aho umwenda ugeze kugira ngo yishyure bitarenze 30/09/2016, maze BPR isubiza ku wa 23/09/2016, igaragaza aho umwenda ugeze. Rero nta raporo ya CRB Urukiko rwashingiraho rwemeza ko UWIZEYIMANA Alphonsine yari mu kiciro cya gatatu cy’abatishyura mu gihe yasabaga inguzanyo;
  5. Rushingiye ku nyandiko zitandukanye zavuzwe haruguru, cyane cyane ku nyandiko yo ku wa 23/08/2016 yemerera urega inguzanyo, iyo ku wa 16/09/2016 BRD yandikira BPR yo kugura umwenda UWIZEYIMANA Alphonsine yari abereyemo n’inyandiko yo ku wa 23/09/2016 BPR isubiza BRD inayimenyesha uko ingano y’umwenda UWIZEYIMANA Alphonsine ayibereyemo ungana, ndetse hashingiwe no ku masezerano y’inguzanyo yo ku wa 09/11/2016 ababuranyi bashyizeho umukono, ndetse hanashingiwe no ku nyandiko yo ku wa 05/02/2016 ikubiyemo ibisabwa kugira ngo umuntu ahabwe inguzanyo, Urukiko rwasanze, UWIZEYIMANA Alphonsine ntacyo atubahirije mu byo yasabwe akaba ari yo mpamvu hasinywe amasezerano y’inguzayo ;
  6. Rwasuzumye inyandiko yo ku wa 14/02/2017 BRD yanditse isesa amasezerano y’inguzanyo, nta nteguza yanditse itanze nk’uko amasezerano y’inguzanyo ya ku wa 09/11/2016 abiteganya mu gingo yayo ya 14, rusanga BRD yarasheshe amasezerano mu buryo bunyuranije n’amategeko, bityo igomba kuryozwa igihombo yateje UWIZEYIMANA Alphonsine mu gutegura umushinga we, ndetse ikaryozwa n’inyungu (manque à gagner) UWIZEYIMANA Alphonsine yari gukura mu mushinga we.

 

Icyemezo cy’Urukiko mu Rubanza RCOM 01760/2018/TC 

Icyemezo cy’Urukiko mu Rubanza RCOMA 00218/2019/HCC

Kigali, ku wa 23/11/2019

************

1 Igitekerezo

  • byari byiza kidusangiza inkuru.
    ariko ntabwo uri umuhanga mugutegura inkuru.
    wagakwiye kugaragaza uko ikibazo cyatangiye ugasoreza kumwanzuro w’urukiko.

Subiza

Your email address will not be published. Required fields are marked *