Ibya rwa ruganda BK yateje cyamunara abaturage bakigaragambya byifashe bite?

* Baruteza cyamunara habaye imvururu zanakomerekeyemo abantu
* Ba nyirarwo bavuga ko BK yabarenganyije ikabatereza bafite ubushake bwo kwishyura
* BK ivuga ko kwishyura byari byarabananiye igakora ibiteganywa n’amategeko
* Uruganda rwatejwe cyamurana saa mbiri z’ijoro ngo abakiliya benshi bagiye
* BK ivuga ko rwagurishijwe kumugaragaro inzego z’ubuyobozi n’umutekano zihari

Iburengerazuba – Dukorerehamwe company yari ifite uruganda (mbere y’uko rutezwa cyamunara) rutonora umuceri mu Mudugudu wa Kindobwe, Akagari ka Gakoni, Umurenge wa Muganza, Akarere ka Rusizi irashinja Banki ya Kigali (BK) kutubahiriza amasezerano y’inguzanyo bagiranye bigatuma uruganda rudakora neza kugera baruteje cyamunara nayo batemera uburyo yakozwemo. BK yo igaragaza ingingo ziyirengera kuko Dukorerehamwe yananiwe kwishyura.

Iby’iki kibazo byamenyekanye mu kwezi gushize mu nkuru y’Umuseke ubwo uruganda rw’umuceri rwa Dukorerehamwe rwajyaga gutezwa cyamunara abaturage bakigaragambya banga ko rutezwa, abantu batatu barahakomerekeye.

Imikoranire hagati ya BK na Dukorerehamwe Company yatangiye mu 2012 ubwo Dukorerehamwe yaganaga BK ngo bakorane, ariko bigasaba ko BK ibanza kugura umwenda Dukorerehamwe yari ifite muri Banki Itsura Amajyambere y’u Rwanda (BRD).

Ndayisenga Wellars, umuyobozi ushinzwe imari (DAF) wa Dukorerehamwe Company avuga ko icyo gihe bari bafite inyuzanyo y’igihe kirekire muri BRD ya miliyoni 410. Hanyuma BK yemera kubagurira uwo mwenda ndetse ikabaguriza miliyoni 250 zo gukoresha kugira ngo bazabashe kwishyura.

Aimable Malaala, Umuyobozi w’ishami ry’amategeko no kwishyuza muri BK we yabwiye Umuseke ko ku itariki 30 Gicurasi 2012, Dukorerehamwe ibagana yaje yaka inguzanyo y’igihe kirekire ya Miliyoni 612, zirimo miliyoni 380 z’igishoro cyo gukoresha (working capital), na miliyoni 232 zo kwishyura umwenda bari bakirimo BRD.

Ku itariki 06 Nyakanga 2012, BK imaze kureba ubusabe bwabo ibemerera miliyoni 482 nazo zirimo miliyoni 232 zo kwishyura umwendawa BRD, n’izindi miliyoni 250 zo gukoresha.

Iyi nguzanyo ntiyaje gutangwa kuko BK ngo yaje guperereza isanga Dukorerehamwe ibereyemo BRD amafaranga 432 926 330.

Marara ati “BK urumva ko yari yatangiye kujya mu biganiro, ibwira Dukorerehamwe iti uyu mwenda tugiye kuwishyura ariko birahindura ibyo twari twabemereye mbere.”

Nyuma, ku itariki 31 Nyakanga 2012, ngo Dukorerehamwe yaje gusaba indi nguzanyo ya miliyoni 612 kugira ngo ibashe kwishyura umwenda wa BRD ndetse ibone n’igishoro.

Ku itariki 04 Nzeri 2012, BK ngo yemera kubaguriza miliyoni 563 gusa zirimo miliyoni 433 zo kwishyura BRD, n’izindi miliyoni 130 zo gukoresha.

Aimbable Malaala ati “Dukorerehamwe kugira ngo ihabwe ayo mafaranga hari ibyo yasabwe, harimo ingwate zirindwi no kuzandikisha, muri ibyo byose ingwate yatanzeho nkeya, (hatanzwe enye nabo bemerera). Nubwo Dukorerehamwe yatanzeho nkeya ariko ntibyabujije ko n’ubundi amafaranga adatangwa , yaratanzwe hasigaramo miliyoni 23, babwirwa ko ayo mafaranga asigaye bazayahabwa ari uko bazanye za ngwate zasigaye. Izi miliyoni 23 twazifatiriye kuko banze kuduha ingwate eshatu z’inzu zifite agaciro ka miliyoni hafi 100.”

Ndayisenga Wellars, DAF wa Dukorerehamwe avuga ko ayo masezerano ya kabiri y’inguzanyo ya miliyoni 563 atigeze ashyirwa mu bikorwa, ahubwo hubahirijwe amasezerano ya mbere bari bumvikanye, ariko muri miliyoni 250 zo gukoresha bari babemereye babanza kubarekurira miliyoni 100, nabwo ngo batabonye yose kuko ayabagezeho ari miliyoni 90 gusa. Miliyoni 160 zisigaye ntibazibaha, ari nabyo ngo byagushije uruganda mu gihombo ntirwabona igishro rwari rukeneye kugira ngo rubone uko rwishyura umwenda.

Ku itariki 11 Ukuboza 2012, Dukorerehamwe ngo yari ibonye inguzanyo yatse. Dukorerehamwe ngo yagombaga kujya yishyura ngo amafaranga arenga miliyoni 10 buri kwezi.

Ndayisenga ati “Twakomeje kugenda tubibutsa…tubibutsa inshuro nyinshi biza kurangira ayo mafaranga batayaduhaye,…uko tugenda twibutsa ntibyakuragaho ko tugenda twishyura wa mwenda w’igihe kirekire, twishyuraga 7 254 000 buri kwezi.”

Aimable Malaala wa BK yemera ko kuva Dukorerehamwe yahabwa amafaranga (avugwa mu masezerano ya kabiri = miliyoni 563), Dukorerehamwe yagerageje kwishyura ariko ikishyura nabi.

Gusa, Dukorerehamwe ikavuga ko ibibazo byavutse imaze kwishyura miliyoni 401, ku mwenda bari babereyemo Banki ya Kigali.

Ibaruwa Umuseke ufitiye Kopi (twahawe na BK) yanditswe na Dukorerehamwe ku itariki 21 Kanama 2013, igaragaza ko Dukorerehamwe yarimo ihura n’ibibazo byo kwishyura kubera amapiyesi y’imashini z’uruganda yaburaga.

Ndetse ngo hari n’indi banditse ku itariki 01 Mata 2013, babwira BK ko bagize ikibazo cy’imihindagurikire y’ibihe bituma batishyura.

Malaala ati “Mu kwezi kw’Ukuboza 2013 bongeye kwandika basaba miliyoni 500, urumva ko bari batangiye kunanirwa kwishyura na wa mwenda wa mbere bari bahawe, ntabwo Banki yari kubaha amafaranga. Barabahakaniye bababwira ko bitashoboka kuko n’umwenda wa mbere batari kwishyura neza.”

Dukorerehamwe Company ngo yaje gusaba Banki ko bakorerwa Porogaramu nshya, ku itariki 05 Gicurasi 2014 bahabwa uburyo bundi bwo kwishyura kuko Banki yabonaga ko bananiwe kwishyura inguzanyo (restructuring) y’amafaranga 494 311 931. Ndetse nyuma bandikira BK bayishimira nk’uko Marara abigaragaza mu nyandiko.

Malaala avuga ko kubera ko bakomeje kunanirwa kwishyura, ku itariki 27 Kanama 2014, BK yongeye kubaha Porogaramu nshya yo kwishyura umwenda w’amafaranga 499 660 912 bari bamaze kugeramo.

Ati “Ku itariki 22 Nzeri 2014 baza kwandika bavuga ngo birabananiye, ngo ntabwo bagishoboye kwishyura, icyagombaga gukurikiraho rero ni uko Banki ishaka uburyo yiyishyura.”

Kuva ubwo mu 2014 BK ngo yahaye Dukorerehamwe ‘Ibaruwa yo kwibutsa kwishyura’,  mu 2015 babaha ibaruwa yo kwibutsa n’iyo kwihanangiriza bwa nyuma, naho mu 2016 BK iboherereza ibaruwa zo kwihanangiriza bwa nyuma eshatu (3), ndetse tariki 28 Ugushyingo 2016 basaba uburenganzira umwanditsi mukuru muri RDB bwo guteza mu cyamunara uruganda rw’umuceri Dukorerehamwe Company yatanzeho ingwate.

Dukorerehamwe ariko ibi byose ngo byabaga bo bategereje miliyoni 160 banki yari yarasigaranye, ndetse baza gutungurwa no kubona bagiye guterezwa icyamunara kandi bari barabonanye n’umuyobozi wa Banki Diane KARUSISI akijya ku buyobozi bwa BK akababwira ko agiye gukemura ikibazo cyabo kuko barenganye.

Nyuma, mu Ukuboza 2016, Dukorerehamwe yatanze ikirego cy’iremezo mu rukiko rw’ubucuruzi irega BK kuba itarubahirije amasezerano bagiranye, isaba guhabwa inguzanyo yasigaye ndetse n’indishyi. Ndetse inatanga ikirego kihutirwa cyo guhagarikisha cyamunara.

Ku itariki 20 Ukuboza 2016, umucamanza yemeje ko nta mpamvu icyamunara kitaba. Dukorerehamwe Company yaje kujurira, ariko nanone umucamanza Theoneste M. Mutajiri  mu rw’ubujurire ku itariki 26 Mutarama 2017 yemeza ko icyamunara kiba.

Ibiro bya Perezida byinjiye mu kibazo 

Mbere y’uko icyamunara kiba Dukorerehamwe yandikiye inzego zinyuranye zirimo iz’umutekano, n’ibiro bya Perezida wa Repubulika. Ku itariki 26 Mutarama 2017, ngo Perezidansi iza kubahuza na BK, ku murongo wa Telefone ngo umuyobozi muri BK witwa Rumanyika Desire ababaza amafaranga babona, bavuga ko babona miliyoni 15.

Ndayisenga Wellars, DAF wa Dukorerehamwe Company ati “Desire {umukozi BK) yaratubwiye turi mu nama ati ‘nimwandike ibaruwa direct muyandikire BK kandi irare igeze muri BK kuwa gatanu (tariki 27 Mutarama) mwerekana ubushobozi mufite, tukiva muri Perezidansi turayandika tuyibwira ko tuzabona miliyoni 150. Ariko Umuhesha w’inkiko bwakeye ateza icyamunara, nyamara Perezidanse yari yasabye ko uwagiye guteza icyamunara akora raporo gusa kuko umukiliya yemera kwishyura.”

Aimable Malaala we avuga Dukorerehamwe yari yumvikanye na BK ko niba badashaka ko cyamunara iba bishyura byibura miliyoni 400 muri miliyoni 687 Dukorerehamwe yari imaze kugeramo BK ku itariki 26 Mutarama 2017, ariko Dukorerehamwe ikavuga ko yabona miliyoni 150 gusa.

Malaala we akavuga ahubwo ko Ibiro bya Perezida ngo byababwiye ko bakora ibyo amategeko ateganya kuko bari bafite uruhushya rw’umwanditsi mukuru n’urukiko rwo guteza icyamunara.

Uruganda rwari rufite agaciro k’amafaranga 719 446 571 nk’uko byagaragajwe n’umugenagaciro Architect DPLG KAREMERA Romuald ku itariki 08 Ukuboza 2016, ku itariki 27 Mutarama 2017 rwaje kugurwa Miliyoni 400, rugurwa na Kompanyi bari bahanganiye isoko SODAR. Dukorerehamwe ikavuga ko n’igiciro uruganda rwashyizweho ataricyo kuko ngo bafite icyemezo cyemewe na RDB kigaragaza ko rufite agaciro karenga mililiayi imwe.

Imyigaragambyo n’amanyanga bivugwa mu cyamunara

Aimable Malaaala avuga ko kuko Dukorerehamwe yari yaragiye itambamira icyamunara, ku buryo ngo abantu bajyaga gusura uruganda rugurishwa bagasanga hakinze, ndetse bakabuzwa kwinjira. Ngo byabaye ngombwa ko ku munsi wa cyamunara ya gatanu ari nayo ya nyuma iteganywa n’itegeko bagiye kuri Police babaha abapolisi babiri, ariko n’ubundi bagezeyo ku isaha ya saa tanu basanga Dukorerehamwe yateguye abantu bo kunaniza cyamunara bafite amabuye, ibyuma, inkoni n’ibindi, babatera amabuye ndetse bakomeretsa n’abantu barimo n’umupolisi.

Ngo uwari uje kugurisha n’abo bari kumwe bakomeje kwinginga,  Polisi igeze aho yohereza abandi bapolisi 30, cyamunara ibona kuba.

Nkusi Aminadab, umuyobozi wa Dukorerehamwe Company ndetse akaba afite 50% muri iyi Kampani, ahakana ko nta sano bafitanye n’ako kavuyo katejwe n’abaturage dore ko ngo batari banahari, ahubwo ngo akavuyo kazamuwe n’uburakari bw’abaturage bari bazi akarengane Dukorerehamwe yahuye nako.

Dore ko uruganda rwa Dukorerehamwe Company rwari rufitiye akamaro abaturage benshi, rwakoreshaga abagera ku 149 barimo abakozi bahoraho 21, n’abahinzi rwaguriraga umusaruro. Ndetse ngo hari n’abaturage b’abanyamigabane kuko rwatangiye ari Koperative y’abahinzi.

Dukorerehamwe ishinja BK ko muri iyi cyamunara yitwikiriye ijoro ikagera ku ruganda saa kumi n’ebyiri z’umugoroba ikica inzugi n’abo bari bazanye, ku buryo uruganda rwaguzwe hafi saa mbiri n’igice z’ijoro, kandi nabwo rwishyurwa amafaranga macye kubera ko abikorera benshi ngo bari batashye, abandi bananizwa n’amananiza yashyizweho yo kugaragaza ‘cheque ya BK iri certified’, kandi abari mu cyamunara bose ntawari ubyubahirije. Nabwo rwiyemezamirimo (SODAR) utari ufite amafaranga yo kurugura kuko ngo yarwishyuye ari uko abanje kwaka inguzanyo muri BK, ngo niwe warutsindiye.

Kuri iki kibazo, Aimable Malaala, Umuyobozi w’ishami ry’amategeko no kwishyuza muri BK yagize ati “Icyamunara ni ipiganwa, kugira ngo hatagira umuntu wica icyamunara hari amabwiriza ugurisha aba yarahawe na RDB, umuntu utanze amafaranga ya nyuma agomba kuba afite cheque kandi iri certified kugira ngo bemere ko afite amafaranga kuri Konti. Tugendeye no kubyabaye, uvuga ko yatanze menshi tukanga kumufata ni inde?

SODAR niwe watanze ayanyuma miliyoni 400, umukurikiye yatanze miliyoni 396. Ubundi ku cyamunara cya gatanu ugurisha ku mafaranga ari ku isoko mu byamunara bya mbere ntabwo twari kujya munsi y’amafaranga 587 612 600 ari nacyo giciro fatizo cyo munsi cyashyizweho n’umugenagaciro.

Kuvuga ko Sodar itari ifite amafaranga ntabwo yari afite cash aho ngaho ariko yari yarasabye umwenda muri BK cyera, afite umwenda wo kuzagura,…Ntabwo, yasabye umwenda wo kuba yajya mu cyamunara, biremewe, ariko iyo agezeyo ntabwo ariwe uhabwa priority.

Nka Bank ntabwo wayishinja ko yafashe amafaranga macye kandi hakiriyo umwenda wa miliyoni 250 zirenga z’umwenda itarishyurwa, ntabwo yabona uyiha amafaranga menshi ngo imwange, ntabwo byaba aribyo kandi ibyakozwe byakozwe ku mugaragaro hari inzego za Leta na DPC w’akarere ka Rusizi.”

Nkusi Aminadab uyobora Dukorerehamwe kandi ashinja BK ikosa ryo kugurisha uruganda bagahita barukinga bakirukanamo banyirarwo badakuyemo imitungo yabo yimukanwa ubu ikaba iri kwangirika, ibi ngo binyuranye n’amategeko.

Kuri Marara yavuze ko kuko Dukorerehamwe yari yaragaragaje ‘violence (ububisha)’, ngo ntabwo muri iryo joro bari kubasigira imashini z’umuntu umaze kugura uruganda kuko ntawari uzi icyo bashobora kuzikoresha, dore ko n’uruganda bashoboraga kurutwika.

Ati “Twahafunze kugira ngo ejo mu gitondo cyangwa ku munsi ukurikiyeho uwagurishije abahamagare baze bakuremo ibintu byabo, ibyo byarakozwe inshuro ebyiri ntibaza gukuramo umusaruro wabo kugeza n’ubu.”

Ubu mu gihe rumaze rufunze kuva rwatezwa cyamunara, ubuyobozi Dukorerehamwe buvuga ko bamaze guhomba hafi miliyoni 150 z’amafaranga y’u Rwanda kubera impamvu zirimo umusaruro uri kwangirika yakabaye aherwaho bishyura.

Dukorerehamwe igasaba umwanditsi Mukuru wa RDB kutemeza ibyavuye muri iki cyamunara akabisesa kuko kitubahirije amategeko ya cyamunara.

BK yo ivuga ko kugira ngo ibone miliyoni  zisaga 287 zisigaye ku mwenda wa Dukorerehamwe, ngo birayisaba kuzagurisha n’izindi ngwate zisigaye Dukorerehamwe yari yaratanze.

Gusa, ubu ngo bagiye kuba bategereje barebe uko urubanza rugenda, n’ubwo ngo ntakibabuza kuzigurisha kuko babyemerewe, kandi ngo urukiko nirugaragaza ko yarenganye Banki yiteguye kubasubiza ibyabo.

Vénuste KAMANZI
UM– USEKE.RW