Abo ni Manirakiza Obed wari umukozi wa BPR Bank ushinzwe sisiteme z’ikoranabuhanga; Uwitonze Jean Paul washinze Nyungwe Sideview Hotel na Bikorimana Innocent ufite sosiyete y’ubucukuzi bw’amabuye y’agaciro ikorera mu Murenge wa Kinihira mu Karere ka Rulindo.

Abandi ni Bayingana Denis uvuga ko ari umukomisiyoneri ku rwego mpuzamahanga; Urimubenshi Dismas wari umukozi wa Uwitonze, Nzatunga Ruvuguta Emmanuel na Mutangana Parfait Sixbert.

Dosiye yabo yafunguwe nyuma y’uko abakiliya ba BPR Bank bagaragaje ko kuri konti zabo hagiye havaho amafaranga hifashishijwe ibiranga amakarita yabo, nyamara bo bavuga ko nta ruhare babigizemo. Banki yakoze igenzura, nyuma itanga ikirego mu Rwego rw’Igihugu rw’Ubugenzacyaha, RIB.

Abaregwa bakurikiranyweho ibyaha birimo kwihesha ikintu cy’undi hakoreshejwe uburiganya, gukoresha mu buriganya urusobe rw’ihererekana ry’amakuru, kwakira cyangwa gutanga uburyo bwo kubona porogaramu cyangwa amakuru ya mudasobwa mu buryo butemewe, kwiyitirira umwirondoro n’iyezandonke.

Uburyo bwa 2D na 3D bwakoreshejwe

Ipfundo rikomeye ry'uru rubanza ni uburyo bwa 2D na 3D bukoreshwa mu kwemeza ubwishyu bwubakiye ku makarita ya banki.

Ubushinjacyaha buvuga ko Manirakiza, nk'umukozi wari ushinzwe sisiteme z'ikoranabuhanga muri BPR, yirengagije nkana inshingano yari afite zo kurinda umutekano wa banki, agahindura uburyo amakarita yakoreshwaga.

Bwavuze ko yakuraga abakiliya kuri sisiteme ya 3D ifite uburyo bukomeye bwo kugenzura ko nyir’ikarita ari we uri gukora ubwishyu, akabashyira kuri 2D idatekanye. Ibyo ngo byatumaga amakuru y’amakarita ashobora gukoreshwa mu kwishyura hatabayeho igenzura rikomeye.

Ubushinjacyaha bwavuze ko Manirakiza yahaye abarimo Uwitonze na Mutangana uburyo bwo gukoresha porogaramu ya ‘cybersource’ igenzura ubwishyu bwo ku ikoranabuhanga, kandi ko ibiganiro byabo bigaragaza ko bari basangiye umugambi.

Manirakiza we yavuze ko ibyo yakoze byari mu nshingano ze zo gufasha abakiliya ba banki, kandi ko atari inshingano ze kugena uburyo ikarita runaka igomba gukoreshwa.

Ubushinjacyaha bwavuze ko ikibazo kimaze kumenyekana mu Ukwakira 2025, amakarita yari yarakoreshejwe kuva ku wa 7 Kanama uwo mwaka yahagaritswe ndetse na sisiteme yavugwagaho ibibazo irafungwa.

Bwavuze kandi ko Manirakiza yagabana amafaranga yabaga yavuyemo, harimo ayanyuzwaga muri Nyungwe Sideview Hotel ya Uwitonze, ushinjwa kwiba banki ibihumbi 127 by’Amadolari.

Umuburanyi avuga ko atazi abo bareganwa

Bikorimana yahakanye ibyaha byose, avuga ko ibyo yakoranye na BPR Bank byari bishingiye ku masezerano y’ubucuruzi.

Ubushinjacyaha bwavuze ko sosiyete zitandukanye zifitanye isano n’abaregwa zakoreshejwe mu mugambi wo gukora ibyaha. Bikorimana we yavuze ko sosiyete ye yashinzwe mu 2018, mbere cyane y’ibikorwa biri muri iyi dosiye, kandi ko atazi abo bareganwa.

Yagize ati “Nta n’ikindi kintu na kimwe kimpuza n’aba bantu.”

Umushinjacyaha yavuze ko igihe sosiyete ya Bikorimana yashingiwe atari cyo cy’ingenzi, ahubwo ko urukiko rukwiye kureba uruhare yaba yaragize mu bikorwa bigize ibyaha.

Umunyamategeko wa Bikorimana yavuze ko ikibazo cya 2D na 3D kitakagombye gufatwa nk’icyaha, kuko abakiliya bahawe izo sisiteme mu mikoranire yemewe na banki. Yavuze ko Bikorimana yabanje guhabwa 2D, nyuma BPR ikamubwira ko itizewe ikamuha 3D.

Bikorimana yavuze ko mu mikoranire ye na banki habaye ikibazo cya ‘chargeback’, aho amafaranga yoherezwa mu buryo budakwiye, agasubizwa cyangwa hagakurikiraho ibiganiro ku buryo agomba gusubizwa.

Yavuze ko amaze kubona ko yakiriye amafaranga atari aye, yegereye banki kugira ngo baganire ku kibazo.

Ati "Ku bw’iyo mpamvu rero nkaba mbona hakwiye ibiganiro nk’uko n’ubundi twari twarabitangiye."

Uwitonze avuga ko yari afitanye amasezerano na banki

Ubushinjacyaha bwavuze ko Uwitonze yakoresheje ‘cybersource’ yahawe na Manirakiza. Uwitonze we yavuze ko Ubushinjacyaha butagaragaje niba yarakomeje kuyikoresha nyuma y’uko ifunzwe mu Ukwakira 2025 kubera ikibazo cya ‘chargeback’.

Yanavuze ko butagaragaje iyezandonke yakoze cyangwa amafaranga yakiriye avuye mu cyaha, ashimangira ko ibikorwa bye byari bishingiye ku masezerano yemewe yagiranye na BPR Bank.

Urimubenshi Dismas yabwiye urukiko ko yisanze muri dosiye kubera ko Uwitonze yamusabye gufungura konti ya sosiyete mu mazina ye, amubwira ko we atabishobora kuko yari ku rutonde rw'abarimo amadeni muri sisiteme ya CRB.

Ati “Yambwiraga ko ari muri CRB, mbyemera gutyo.”

Urimubenshi yavuze ko yatanze indangamuntu na nimero ya telefone kugira ngo konti ifungurwe, kuko yari umukozi wa Uwitonze mu ruganda rw’ibyuma kandi akumva ko ari kubahiriza amabwiriza ya “Boss” we.

Yavuze ko Uwitonze yamusabaga kujya gufata amafaranga, ariko ko nta nyungu yihariye yabonaga muri ibyo bikorwa gusa Ubushinjacyaha bwabwiye urukiko ko atari kubikora atabifitemo inyungu.

Bayingana avuga ko yakoze nk’umukomisiyoneri

Ubushinjacyaha bwo bwavuze ko Bayingana yajyanaga na Urimubenshi kubikuza amafaranga yabaga yageze kuri konti ya sosiyete yanditse mu mazina ye, mbere y’uko ahindurirwa icyerekezo.

Bayingana yabwiye urukiko ko ari umukomisiyoneri ukorera mu bihugu bitandukanye kandi ko iperereza ubwaryo ryagaragaje ko hari amatsinda arimo abakomisiyoneri bo mu bihugu bigera kuri 50.

Yavuze ko Uwitonze yamwegereye kugira ngo amushakire abakiliya ba Nyungwe Sideview Hotel, akabereka serivisi zayo n’uburyo bwo kwishyura.

Bayingana yavuze ko yafashije Urimubenshi kuzuza ‘bank slip’ kuko atazi kwandika, abisabwe na Uwitonze, kandi ko yabikoraga ashaka komisiyo ye.

Yasobanuye ko yari yumvikanye na Uwitonze ko umukiliya yazamubonera, ku mafaranga yishyuwe akabona 15% nka komisiyo.

Ubushinjacyaha bwo bwavuze ko Bayingana yari mu itsinda ryateguye inama zijyanye no gukoresha ‘cybersource’ mu buryo bw’uburiganya, ndetse busaba urukiko gusesengura ubwishyu bwabaye hagati ye na Nyungwe Sideview Hotel.

“Iyo Manirakiza adafasha abandi, ibyabaye ntibyari kuba”

Mutangana na we yahakanye ko yakoresheje ‘cybersource’ mu buryo butemewe, avuga ko banki ari yo yayimuhaye kandi ko atigeze ayihindura.

Umunyamategeko we yavuze ko amasezerano hagati ya Mutangana na banki yari asanzwe agaragaza uburyo ikibazo cya ‘chargeback’ cyari gukemurwa, bityo asaba ko dosiye yafatwa nk’ikibazo cyo mu rwego rw’ubucuruzi aho kuba icyaha.

Umunyamategeko wa BPR Bank Rwanda we yavuze ko kuba abaregwa baragerageje kuganira na banki bidakuraho ikurikiranacyaha mu gihe hari ibimenyetso by’uko ibikorwa bakoze bishobora kuba bigize ibyaha.

Yavuze ko kimwe mu bimenyetso ari inama zitandukanye Ubushinjacyaha buvuga ko abaregwa bakoranaga mu gutegura uburyo bwo gutwara amafaranga ya banki, abasaba kwemera ibyaha no gusaba imbabazi.

Ubushinjacyaha bwakomeje bushimangira ko Manirakiza ari we wari ufite uruhare rukomeye mu bikorwa byose kubera ubumenyi n’ububasha yari afite kuri sisiteme za banki.

Bwagaragaje ko yakoze amagerageza menshi akoresheje ikarita ye, ndetse ko mu biganiro yagiranaga n’abandi yababazaga niba ibikorwa byo gukuraho amafaranga byagenze neza.

Ubushinjacyaha bwavuze ko iyo Manirakiza adafasha abandi baregwa, ibyabaye bitari gushoboka, kandi ko ibiganiro byabo bigaragaza ubwumvikane mu gutegura no gushyira mu bikorwa ibyaha.

Abaregwa basabiwe ibihano bitandukanye, kuva ku gifungo cy’imyaka ibiri kugeza ku myaka 10 bitewe n’ibyaha buri wese akurikiranyweho.

Gusa kubera impurirane y’ibyaha, bushingiye ku cyaha cy’iyezandonke, ari na cyo gifite igihano gikomeye kurusha ibindi, busabira buri wese igifungo cy’imyaka 10.

Bwasabye kandi ihazabu iri hagati ya miliyoni 2 Frw n’ibihumbi birenga 380 by’Amadolari.

BPR Bank Rwanda yasabye urukiko gutegeka abaregwa kwishyura indishyi y’ibihumbi 287,76 by’Amadolari, angana na miliyoni 424 Frw.

Urukiko Rwisumbuye rwa Nyarugenge rwanzuye ko urubanza ruzasomwa ku wa 11 Ukuboza 2026 saa munani z’igicamunsi.