Urubanza ruregwamo abarimo abahoze bakorana na BPR Bank n’abanyemari, bakurikiranyweho ibyaha bifitanye isano no kwiba iyi Banki ibihumbi 260 USD [agera muri miliyoni 383 Frw], hifashishijwe ikoranabuhanga, rwaburanishijwe, aho Ubushinjacyaha bwabasabiye gufungwa imyaka 10.
Uru rubanza rwaburanishijwe n’URukiko Rwisumbuye rwa Nyarugenge, ruregwamo abantu barindwi barimo Manirakiza Obed wahoze ari umukozi wa BPR Bank ushinzwe sisiteme z’ikoranabuhanga, Uwitonze Jean Paul washinze Nyungwe Sideview Hotel na Bikorimana Innocent ufite sosiyete icukura amabuye y’agaciro mu Murenge wa Kinihira, mu Karere ka Rulindo.
Abandi ni Bayingana Denis uvuga ko ari umukomisiyoneri ku rwego mpuzamahanga, Urimubenshi Dismas wahoze akorera Uwitonze, Nzatunga Ruvuguta Emmanuel na Mutangana Parfait Sixbert.
Dosiye yabo yatangiye gukurikiranwa nyuma y’uko abakiliya ba BPR Bank bagaragaje ko amafaranga yagiye abura kuri konti zabo, hifashishijwe amakuru y’amakarita yabo ya banki, kandi bo bakavuga ko batigeze bagira uruhare muri ibyo bikorwa. Banki yakoze igenzura, nyuma ishyikiriza ikirego Urwego rw’Igihugu rw’Ubugenzacyaha (RIB).
Abaregwa bakurikiranyweho ibyaha birimo kwihesha ikintu cy’undi hakoreshejwe uburiganya, gukoresha mu buriganya uburyo bw’ihererekanya ry’amakuru, gutanga cyangwa kwakira uburyo bwo kubona porogaramu n’amakuru ya mudasobwa mu buryo butemewe, kwiyitirira umwirondoro n’iyezandonke.
Ikoranabuhanga ryakoreshejwe
Ubushinjacyaha buvuga ko Manirakiza, kubera inshingano yari afite muri BPR Bank, yagize uruhare rukomeye mu buryo amafaranga yakuwe kuri konti z’abakiliya.
Buvuga ko yahinduye uburyo bwo kugenzura ubwishyu bukoreshejwe amakarita ya banki, akura abakiliya kuri sisiteme ya 3D ifite igenzura rikomeye ryemeza ko nyir’ikarita ari we uri kwishyura, akabashyira kuri 2D idafite igenzura rikomeye nk’irya 3D.
Buvuga ko ibyo byatumye amakuru y’amakarita ashobora gukoreshwa mu kwishyura hatisunzwe igenzura rikomeye, bityo bigafasha abandi baregwa gukoresha ubwo buryo mu bikorwa bikekwaho kuba iby’uburiganya.
Ubushinjacyaha kandi buvuga ko Manirakiza yahaye bamwe mu baregwa uburyo bwo gukoresha porogaramu ya CyberSource, ikoreshwa mu kugenzura ubwishyu bukorerwa kuri internet. Bushingira ku biganiro byagiye biba hagati y’abaregwa, buvuga ko bigaragaza ko bari bafitanye umugambi wo gukura amafaranga muri banki.
Manirakiza we yahakanye ibyo aregwa, avuga ko ibyo yakoze byari mu nshingano ze zo gufasha abakiliya ba banki, kandi ko atari we wagennye uburyo ikarita runaka yagombaga gukoreshwamo.
Ubushinjacyaha bwavuze ko ikibazo cyamenyekanye mu Ukwakira 2025, amakarita yari yarakoreshejwe kuva ku wa 7 Kanama uwo mwaka agahagarikwa, na sisiteme yavugwagaho ibibazo igafungwa.
Ibisobanuro by’abaregwa
Bikorimana Innocent yahakanye ibyaha byose, avuga ko imikoranire ye na BPR Bank yari ishingiye ku masezerano y’ubucuruzi. Yavuze ko sosiyete ye yashinzwe mu 2018, mbere y’ibikorwa biri muri dosiye, kandi ko atazi abandi baregwa.
Yagize ati: “Nta n’ikindi kintu na kimwe kimpuza n’aba bantu.”
Umunyamategeko we yavuze ko ikibazo cya 2D na 3D kitagomba gufatwa nk’icyaha, kuko uburyo bwo kwishyura bwari bwaratanzwe na banki. Yavuze ko Bikorimana yabanje guhabwa uburyo bwa 2D, nyuma banki ikamubwira ko butizewe ikamuha 3D.
Bikorimana yavuze ko mu mikoranire ye na banki habaye ikibazo cya chargeback, aho ubwishyu bushobora gusubizwa cyangwa hagakurikira ibiganiro ku mafaranga agomba gusubizwa. Yavuze ko amaze kubona ko hari amafaranga yakiriye atari aye, yegereye banki kugira ngo baganire ku buryo ikibazo cyakemuka.
Uwitonze Jean Paul na we yavuze ko ibikorwa bye byari bishingiye ku masezerano yagiranye na BPR Bank. Ubushinjacyaha bwo bumushinja gukoresha CyberSource yahawe na Manirakiza, ndetse buvuga ko Nyungwe Sideview Hotel ye yakoreshejwe mu kunyuzwamo amafaranga akekwaho kuba yaravuye mu byaha. Buvuga ko Uwitonze yaba yaranyereje ibihumbi 127 by’amadolari.
Uwitonze yavuze ko Ubushinjacyaha butagaragaje neza niba yarakomeje gukoresha iyo porogaramu nyuma y’uko ifunzwe mu Ukwakira 2025, cyangwa ngo bugaragaze amafaranga y’iyezandonke yakiriye.
Hari abatanze ibisobanuro by’ibyo bakoze
Urimubenshi Dismas yabwiye urukiko ko yisanze muri uru rubanza nyuma y’uko Uwitonze amusabye gufungura konti ya sosiyete mu mazina ye. Yavuze ko Uwitonze yari yamubwiye ko atabikora mu mazina ye bwite kuko yari ku rutonde rw’abafite imyenda muri sisiteme ya CRB.
Ati: “Yambwiraga ko ari muri CRB, mbyemera gutyo.”
Urimubenshi yavuze ko yatanze indangamuntu na nimero ya telefone kugira ngo iyo konti ifungurwe, kuko yari umukozi wa Uwitonze kandi yumvaga ko ari kubahiriza amabwiriza y’umukoresha we. Yavuze ko yajyaga no kubikuza amafaranga, ariko ko nta nyungu yihariye yabonaga muri ibyo bikorwa.
Bayingana Denis we yavuze ko ari umukomisiyoneri ukorera mu bihugu bitandukanye. Yasobanuye ko Uwitonze yamwegereye kugira ngo amufashe gushakira abakiliya Nyungwe Sideview Hotel, kandi ko bari bumvikanye ko azajya ahabwa komisiyo ya 15% ku mafaranga yishyuwe n’abakiliya yazanye.
Yavuze ko yafashije Urimubenshi kuzuza impapuro zo kubikuza amafaranga, abisabwe na Uwitonze, ariko ko atari azi ko hari icyaha kirimo. Ubushinjacyaha bwo buvuga ko Bayingana yagize uruhare mu bikorwa byo gutegura uburyo CyberSource yakoreshejwe mu buriganya, kandi busaba urukiko gusuzuma ubwishyu bwabaye hagati ye na Nyungwe Sideview Hotel.
Mutangana Parfait Sixbert na we yahakanye ko yakoresheje CyberSource mu buryo butemewe, avuga ko yari yarayihawe na banki kandi ko atigeze ayihindura. Umunyamategeko we yavuze ko ikibazo cya chargeback cyagombaga gukemurwa hakurikijwe amasezerano y’ubucuruzi, aho gufatwa nk’icyaha.
Ubushinjacyaha busaba igifungo cy’imyaka 10
Ubushinjacyaha buvuga ko Manirakiza ari we wari ufite uruhare rukomeye muri ibyo bikorwa, bitewe n’ubumenyi n’ububasha yari afite kuri sisiteme z’ikoranabuhanga za banki.
Buvuga ko yakoze igerageza akoresheje ikarita ye, kandi ko mu biganiro yagiranaga n’abandi baregwa yababazaga niba ibikorwa byo gukura amafaranga byagenze neza. Bushingira kuri ibyo biganiro mu kuvuga ko abaregwa bari bafitanye umugambi umwe.
Umushinjacyaha yavuze ko iyo Manirakiza atagira uruhare mu gufasha abandi baregwa, ibyo bikorwa bitari gushoboka.
Umunyamategeko wa BPR Bank Rwanda yavuze ko kuba abaregwa baragerageje kuganira na banki ku kibazo cy’amafaranga bitavanaho uburenganzira bwo kubakurikirana mu nkiko niba hari ibimenyetso by’ibyaha.
Ubushinjacyaha bwasabiye abaregwa ibihano bitandukanye, ariko kubera impurirane y’ibyaha, busaba ko buri wese ahanishwa igifungo cy’imyaka 10, hashingiwe ku cyaha cy’iyezandonke gifite igihano gikomeye kurusha ibindi. Bwasabye kandi ihazabu zitandukanye, zirimo amafaranga ari hagati ya miliyoni 2 Frw n’ibihumbi birenga 380 by’amadolari.
BPR Bank Rwanda yasabye urukiko gutegeka abaregwa kwishyura indishyi z’amadolari 287.760, angana na miliyoni 424 Frw.
Urukiko Rwisumbuye rwa Nyarugenge rwanzuye ko ruzasoma umwanzuro w’uru rubanza ku wa 11 Ukuboza 2026 saa munani z’amanywa.
Abaregwa baracyafatwa nk’abatarahamwa n’ibyaha kugeza igihe urukiko ruzafatira umwanzuro wa nyuma.
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