BK GENERAL INSURANCE Co Ltd v IRAGUHA

BK GENERAL INSURANCE Co Ltd v IRAGUHA

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2026-02-27 - Case/document no.: RS/INJUST/RC 00016/2024/SC - Collection: Supreme Court

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Rwanda URUKIKO RW’IKIRENGA - RS/INJUST/RC 00016/2024/SC (Cyanzayire, P.J., Mukamulisa na Muhumuza, J.) 27 Gashyantare 2026] ategeko agenga imanza z’imbonezamubano – Imanza z’ubwishingizi – Indishyi – Igipimo ndishyi – umushahara w’umumotari - Umusaruro utahanwa n’umuntu ukora umwuga wo wara abantu kuri moto ungana na 193.333 Frw ku kwezi, ukaba uhwanye na 6.444 Frw ku nsi bityo uwo murongo ugomba gukurikizwa, nubwo nta nyandiko zigaragaza umushahara anzwe. ategeko agenga imanza z’imbonezamubano – Kubara indishyi z’ibangamirabukungu – Igipimo bitsa gikoreshwa - Igipimo cy’ibitsa gikoreshwa mu kubara indishyi z’ibangamirabukungu omba kungana n’igipimo cy’inyungu y’ibitsa (Deposit Rate) ikoreshwa n’amabanki igaragara rubuga rwa Banki nkuru y’Igihugu (BNR) ku munsi w’isomwa ry’urubanza amake y’ikibazo: Iraguha Jacques yakomeretse mu mpanuka ya moto yagonzwe n’imodoka i ifite ubwishingizi muri BK GENERAL INSURANCE Co Ltd (BK). Yasabye indishyi ariko yumvikana n’ubwishingizi, bituma aregera urukiko. iko zibanza (Urukiko Rwisumbuye n’Urukiko Rukuru) zamuhaye indishyi nyinshi zishingiye kuba yari umumotari, umusaruro wa 6.444 Frw ku munsi, ubumuga bwa 56%. Insurance ntiyabyemeye, isaba gusubirishamo ku mpamvu z’akarengane, urubanza uranishwa n’Urukiko rw’Ikirenga hasuzumwa ibibazo bikubiyemo ibyo kumenya Uburyo bwo ara indishyi Iraguha yahabwa, by’umwihariko harebwe: umusaruro

w’umumotari ku munsi, pimo cy’ubumuga, igipimo cy’inyungu (deposit rate) gikoreshwa mu kubara indishyi. ivuga ko indishyi zitagombaga kubarwa hashingiwe kuri 6.444 Frw ku munsi, kuko Iraguha bimenyetso simusiga yatanze bigaragaza ko yinjizaga ayo mafaranga bityo hakaba hakwiye hingira kuri SMIG ya 3.000 Frw/umunsi. Ikomeza ivuga ko ubumuga bwagombaga kuba 32% iginwe kuri contre-expertise aho kuba 56% kandi igipimo cy’inyungu cyagombaga kuba igihe urubanza rwaciwe (kigezweho), si 6.4%. guha asobanura ko Inkiko zabanje zakurikije amategeko n’imanza z’Urukiko rw’Ikirenga kuko umotari, yemerewe kubarirwa kuri 6.444 Frw/umunsi hashingiwe ku manza zabayeho kandi ko muga bwa 56% ni bwo bugomba gushingirwaho kuko ariyo yakozwe na muganga wa Leta tse akaba ataramenyeshejwe contre-expertise yakozwe na muganga w’umwishingizi. amake y’icyemezo: 1. Umusaruro utahanwa n’umuntu ukora umwuga wo gutwara abantu kuri to ungana na 193.333 Frw ku kwezi, ukaba uhwanye na 6.444 Frw ku munsi bityo uwo rongo ugomba gukurikizwa, nubwo nta nyandiko zigaragaza umushahara zatanzwe. Igipimo cy’ibitsa gikoreshwa mu kubara indishyi z’ibangamirabukungu kigomba kungana gipimo cy’inyungu y’ibitsa (Deposit Rate) ikoreshwa n’amabanki igaragara ku rubuga rwa

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z imbonezamubano, iz ubucuruzi, iz umurimo n iz ubutegetsi nk uko ryahinduwe kugeza ubu, ingingo ya 111; ka rya Perezida No 32/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, ingingo ya 6. anza zifashishijwe: /INJUST/RC 00009/2022/SC rwaciwe ku wa 18/05/2023 haburana SANLAM AG Plc vs Uwihanganye Jean; /INJUST/RC 00014/2022/SC narwo rwaciwe n’Urukiko rw’Ikirenga ku wa 18/05/2023, haburana Kwizera Eric na Radiant Insurance Company Ltd; /INJUST/RC00027/2024/SC rwa Prime Insurance Company Ltd na Shumbusho Dan, rwaciwe n’uru Rukiko ku wa 20/02/2026. Urubanza I. IMITERERE Y’URUBANZA Ku wa 08/02/2021, imodoka Toyota Land Cruiser, ifite ikirango cya GR144E yari ifite wishingizi muri BK GENERAL INSURANCE Co Ltd (yiswe BK Insurance muri uru rubanza), onze moto ifite ikirango cya RE466Q yari itwawe na Iraguha Jacques wavutse mu 1992, komereka. Iraguha Jacques yandikiye BK Insurance ayisaba ko yamwishyura indishyi mu umvikane ariko ntibashobora kumvikana. Iraguha Jacques yatanze ikirego mu Rukiko Rwisumbuye rwa Karongi asaba guhabwa ishyi mbonezamusaruro zingana na 21.196.473 Frw; iz’ububabare bw’umubiri zingana na 24.000 Frw; izo gutakaza amahirwe yo gushaka zingana na 3.024.000 Frw; izo gutakaza urambe mu kazi zingana na 2.700.000 Frw; amafaranga yakoresheje yivuza ndetse n’ay’ingendo ujyana kwivuza

angana na 487.939 Frw; amafaranga y’ikurikiranarubanza n’ay’igihembo cya oka angana na 1.000.000 no gusubizwa ingwate y’amagarama ya 20.000 Frw. BK Insurance yaburanye ivuga ko indishyi zisabwa na Iraguha Jacques nta shingiro abwa zose, ko zidakwiye kubarwa hashingiwe ku mushahara wa 15.000 Frw kuko nta menyetso yatanze kigaragaza ko ariyo yinjizaga, ko ariyo mpamvu zabarwa haherewe kuri IG ya 3.000 Frw kandi ku kigero cy’ubumuga cya 32% cyagaragajwe na contre-expertise, bityo ishyi zikabarwa mu buryo bukurikira: 3.699.748 Frw y’indishyi z’ibangamirabukungu, .600 Frw y’indishyi z’akababaro, iz’ibangamira ry’uburanga zingana na 345.600 Frw; 540.000 w y’indishyi zo gutakaza amahirwe y’akazi na 500.000 y’igihembo cya Avoka. Yavuze kandi Iraguha Jacques nta mafaranga yo kwivuza n’ay’ingendo zimujyana kwivuza akwiye guhabwa ko atayatangiye ibimenyetso, ndetse akaba adakwiye indishyi zo gutakaza amahirwe yo gushaka ko ubumuga buhoraho afite butageze kuri 75%.

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uburanga; 1.159.998 Frw y indishyi z ibangamira ry uburambe mu kazi na 243.970 Frw yo vuza, ingendo ndetse n’ibyangombwa. Rwategetse kandi BK Insurance kwishyura Iraguha ques 700.000 Frw y’igihembo cya Avoka, 300.000 Frw y’ikurikiranarubanza, no kumusubiza 000 Frw yatanzeho ingwate y’amagarama arega. Mu gufata icyo cyemezo, Urukiko Rwisumbuye rwashingiye ku kuba Iraguha Jacques akoraga umwuga w’ubumotari, rumugenera indishyi rushingiye ku murongo watanzwe Urukiko rw’Ikirenga mu rubanza N° RS/INJUST/RC 00014/2022/SC rwaciwe ku wa 05/2023 haburana Kwizera Eric na RADIANT uvuga ko amafaranga atahanwa n’umuntu nze moto angana na 6.444 Frw ku munsi. Rwazibariye kandi ku kigero cy’ubumuga cya 56% uko cyagaragajwe na muganga wa Leta. BK Insurance yajuririye Urukiko Rukuru, Urugereko rwa Rusizi rukorera i Karongi, ivuga mu kugenera Iraguha Jacques indishyi, Urukiko Rwisumbuye rwa Karongi rwashingiye kuri IG ya 193.333 Frw ku kwezi aho gushingira ku ya 3.000 Frw ku munsi kuko hatagaragajwe usaruro yinjizaga, ko kandi rwashingiye ku ngano y’ubumuga bwa 56% aho gushingira kuri % yagaragajwe muri contre-expertise yakozwe n’umuganga wayo. Yanavuze ko ku bijyanye gihembo cya Avoka n’ikurikiranarubanza, Urukiko rwari kugena 500.000 Frw y’igihembo Avoka gusa kuko nta mirimo idasanzwe yakozwe kuri uru rubanza, ari nayo mpamvu basanga .000 Frw y'ikurikiranarubanza ntayo yari akwiye guhabwa kuko

mu nshingano ya Avoka imo gukurikirana urubanza yahawe n'umukiriya we. Iraguha Jacques yaburanye avuga ko impamvu zose zitangwa na BK Insurance nta shingiro abwa kuko mu kumugenera indishyi, Urukiko rwashingiye ku manza zaciwe ndetse no ku tegeko yanditse. Mu rubanza N° RCA 00044/2023/HC/RSZ rwaciwe ku wa 27/06/2024, Urukiko Rukuru meje ko ubujurire bufite ishingiro kuri bimwe, rutegeka BK Insurance guha Iraguha Jacques 155.908 Frw y’indishyi z’ibangamirabukungu; 2.320.000 Frw y’indishyi z’ububabare umubiri; 2.320.000 Frw y’indishyi zo gutakaza amahirwe yo gushaka; 464.000 Frw y’indishyi bangamira ry'uburanga; 1.159.998 Frw y’indishyi z’ibangamira ry'uburambe mu kazi, 243.970 w yo kwivuza, ingendo ndetse n’ibyangombwa na 500.000 Frw y’igihembo cya Avoka yo ku go rwa mbere. Mu gufata icyo cyemezo, Urukiko Rukuru rwashingiye ku kuba Iraguha Jacques akoraga umwuga w’ubumotari nk’uko bigaragara mu cyemezo cyatanzwe ku wa 25/02/2021 Koperative KOTAIVIOTEKA1 ikorera mu Murenge wa Rubengera, Akarere ka Karongi, mugenera indishyi rushingiye ku murongo watanzwe n’Urukiko rw’Ikirenga mu rubanza N° /INJUST/RC 00014/2022/SC rwavuzwe haruguru, uvuga ko amafaranga atahanwa n’umuntu nze moto angana na 6.444 ku munsi no ku gipimo cy’ibitsa cya 6.4% ababuranyi bari aragaje ko ari cyo cyabarirwaho. Rwabaze kandi indishyi ruhereye ku gipimo cy’ubumuga cya % j Bit b Kib k k b b i b t ik k i

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] BK Insurance yandikiye Perezida w’Urukiko rw’Ubujurire isaba ko urubanza No RCA 44/2023/HC/RSZ rwaciwe n’Urukiko Rukuru, Urugereko rwa Rusizi rukorera i Karongi ku 27/06/2024 rusubirwamo ku mpamvu z’akarengane. Nyuma y’isesengura ry’urubanza, ezida w’Urukiko rw’Ubujurire yakoze raporo ayoherereza Perezida w’Urukiko rw’Ikirenga, na yemeza ko rwongera kuburanishwa, rwandikwa kuri No RS/INJUST/RC 00016/2024/SC. ] Iburanisha ryabereye mu ruhame ku wa 03/02/2026, BK Insurance ihagarariwe na Me ndela Wilson, Iraguha Jacques aburanirwa na Me Manirakiza Claude, hasuzumwa ikibazo cyo menya uburyo indishyi Iraguha Jacques akwiye zigomba kubarwa n’icyo gusuzuma ishingiro amafaranga y’ikurikiranarubanza n’ay’igihembo cya Avoka. II. IBIBAZO BIGIZE URUBANZA N’ISESENGURWA RYABYO Kumenya uburyo indishyi Iraguha Jacques akwiye zigomba kubarwa ] Me Mandela Wilson uhagarariye BK Insurance avuga ko impamvu isanga urubanza ciwe n’Urukiko Rukuru, Urugereko rwa Rusizi rukorera i Karongi rurimo akarengane ari uko ari rukwiye kubarira Iraguha Jacques indishyi rushingiye ku musaruro wa 6.444 Frw ku munsi uko wemejwe mu rubanza Nº RS/INJUST/RC 00014/2022/SC rwaciwe n’Urukiko rw’Ikirenga wa 18/05/2023, ko kandi mu kwemeza ko Iraguha Jacques yari umumotari rwashingiye gusa cyemezo cya Koperative KOTAMOTEKA cyo ku wa 25/02/2021, aho kureba ko yagaragaje menyetso simusiga bishimangira ko yabonaga koko

umusaruro wa 6.444 Frw ku munsi. Avuga urugero rw’ibyo bimenyetso ari aho Iraguha Jacques yaba yaratangiye umusoro w’ipatanti musoro ku nyungu bivugwa mu rubanza rwaciwe n’Urukiko rw’Ikirenga rwashingiweho mu anza rwasabiwe gusubirishwamo ku mpamvu z’akarengane. ] Avuga kandi ko Urukiko Rukuru rwafashe abamotari bose muri rusange ko bafite usaruro ungana, nyamara atari byo, ko rero Iraguha Jacques yagombaga kubarirwa indishyi hingiwe kuri SMIG ya 3000 Frw ku munsi kubera ko nta bimenyetso yatanze by’umusaruro izaga, asaba uru Rukiko kuzashingira kuri iyo SMIG. ] Yongeraho ko mu gika cya 14 cy’urubanza rusabirwa gusubirishwamo, Urukiko rwahaye obanuro kitari cyo ingingo ya 6, igika cya 4, y’Iteka rya Perezida N° 32/01 ryo ku wa 08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku anuka zitewe n’ibinyabiziga ivuga ko igihe bitumvikanyweho, raporo ya muganga Umwishingizi ititabwaho, rugumishaho igipimo cy’ubumuga cya 56% cyagaragajwe n’ibitaro Kibuye kandi cyarakorewe contre-expertise n’umuganga w’umwishingizi, akagaragaza pimo cya 32%. ] Me Mandela Wilson asaba uru Rukiko kuzasesengura ibikubiye mu ngingo ya 6, igika cya ’Iteka rya Perezida ryavuzwe haruguru kuko Urukiko Rukuru rwayumvise nabi bigatuma BK

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] Akomeza avuga ko ku bijyanye n’igipimo cy’ibitsa cyashingiweho, naho harimo rengane kuko Urukiko Rukuru rwirengagije ko BK Insurance yari yasabye ko hagenderwa ku imo cy’ibitsa kizaba kigezweho mu gihe cyo guca urubanza, kuko gihindagurika, Urukiko aba rwaragombaga kureba ku rubuga rwa BNR https://www.bnr.rw/browse-in/financial- rket/moneymarket-interestrates/monthly-interest-rates/ rugatanga ubutabera bunoze, aho hingira ku gipimo cyatanzwe n’umuburanyi kingana na 6.4%. ] Avuga ko Urukiko ruramutse rwemeje imiburanire yayo, indishyi zisabwa na Iraguha ques zabarwa mu buryo bukurikira: ► Indishyi mbangamirabukungu zabarirwa kuri SMIG ya 3000 Frw zikaba zingana na 3000 Frw x30 x 12 x 36 x 32% x 2/3 kugabanya na 1+(6.75%x36) = 25.920.000 Frw:3.43= 7.556.851 Frw; ► Indishyi z'akababaro: 3000 Frw x30x12 x 40% = 432.000Frw; ► Indishyi z’ibangamira ry’uburanga: 3000 Frw x30x12x40% = 432.000 Frw; ► Indishyi z’ibangamira ry’uburambe mu kazi:3000 Frwx30x6=540.000Frw. ► amafaranga yo kwivuza, ingendo ndetse n’ibyangombwa=243.970 Frw. Avuga kandi ko nta ndishyi zo gutakaza amahirwe yo gushaka Iraguha Jacques yari akwiye guhabwa kuko afite ubumuga buri munsi ya 50%. ] Me Manirakiza Claude uhagarariye Iraguha Jacques avuga ko ku bijyanye n’umushahara to washingiweho, ibivugwa na BK Insurance nta shingiro byahabwa kuko Urukiko Rukuru shimangiye ibyemejwe n’Urukiko Rwisumbuye, kandi ko

rujya gushingira ku mushahara wa 44 Frw, rwahereye ku ngingo ya 4, igika cya 7, y’Itegeko Nº 41/2001 ryo ku wa 19/09/2001 rekeye imyishyurire y’abangirijwe n’impanuka zitewe n’ibinyabiziga bigenzwa na moteri di bigenda ku butaka iteganya ko “… zitabonetse ariko, umwuga uwangirijwe akora ukaba wi neza, indishyi zigenwa hakoreshejwe kugereranya n’umushahara w’umuntu ukora umwuga meze kimwe cyangwa ujya kumera kimwe”. ] Akomeza avuga ko mu gihe ababuranyi batabashije kumvikana kuri SMIG, Urukiko isumbuye rwahisemo kwifashisha urubanza N° RS/INJUST/RC00014/2022/SC rwavuzwe uguru rwaciwe n’Urukiko rw’Ikirenga, agasanga aho kunenga urubanza rwaciwe n’Urukiko kuru, BK Insurance yari ikwiye kunenga amategeko n’urubanza rwashingiweho mu guca banza. Avuga kandi ko niba BK Insurance itishimiye umurongo watanzwe n’Urukiko Ikirenga, yari kunyura mu nzira iteganywa n’amategeko, ikabitangira ikirego cyihariye. ] Yongeraho ko ku bijyanye no kumenya ingano y’ubumuga ikwiriye gushingirwaho mu rwa ry’indishyi, Urukiko Rukuru rwashingiye ku ngingo ya 6, igika cya 4, y’Iteka rya Perezida 32/01 ryo ku wa 25/08/2003 ryavuzwe haruguru. Asobanura ko raporo y’umuganga wa BK

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UKO URUKIKO RUBIBONA ] Mu gusubiza ikibazo cyo kumenya uburyo indishyi Iraguha Jacques akwiye zigomba arwa, harabanza gusuzumwa ibijyanye n’umusaruro utahanwa ku munsi n’umuntu ukora wuga wo gutwara abantu kuri moto, ari nawo ukwiye guherwaho Iraguha Jacques abarirwa ishyi; ingano y’ubumuga yashingirwaho mu kugenera Iraguha Jacques indishyi zinyuranye tse n’igipimo cy’ibitsa kigomba gukoreshwa mu kubara indishyi z’ibangamirabukungu. i) Ku bijyanye n’umusaruro utahanwa ku munsi n’umuntu ukora umwuga wo gutwara abantu kuri moto ] Mu rubanza Nº RS/INJUST/RC 00009/2022/SC rwaciwe ku wa 18/05/2023 haburana NLAM AG Plc vs Uwihanganye Jean, mu gika cya 16 na 27, Urukiko rw’Ikirenga rwatanze urongo w’uko umusaruro utahanwa n’umuntu ukora umwuga wo gutwara abantu kuri moto ana na 193.333 Frw ku kwezi, ukaba uhwanye na 6.444 Frw ku munsi. Uyu murongo ni nawo anzwe mu rubanza Nº RS/INJUST/RC 00014/2022/SC narwo rwaciwe n’Urukiko rw’Ikirenga wa 18/05/2023, haburana Kwizera Eric na Radiant Insurance Company Ltd2, unashimangirwa zindi manza, harimo urubanza No RS/INJUST/RC00027/2024/SC rwa Prime Insurance mpany Ltd na Shumbusho Dan, rwaciwe n’uru Rukiko ku wa 20/02/2026. ] Ku bijyanye n’uru rubanza, muri dosiye hagaragaramo icyemezo cya Koperative TAMOTEKA cyo ku wa 25/02/2021 kigaragaza ko Iraguha Jacques yakoraga umwuga wo wara abantu kuri moto; hari kandi inyandikomvugo ya Polisi yo ku wa

04/09/2021, isobanura Iraguha Jacques yakoze impanuka ku wa 08/02/2021 ubwo yakoraga umwuga wo gutwara to. Ibimaze kuvugwa bigaragaza ko Iraguha Jacques yakoraga umwuga wo gutwara abantu kuri to, kandi na BK Insurance ntibihakana. ] Nk’uko byasobanuwe haruguru, urubanza rwasabiwe gusubirishwamo rwashingiye ku rongo watanzwe n’uru Rukiko mu rubanza rwa Nº RS/INJUST/RC 00014/2022/SC rwaciwe wa 18/05/2023 rwamaze kuvugwa, maze rwemeza ko umusaruro utahanwa n’umuntu ukora wuga wo gutwara abantu kuri moto ungana na 6.444 Frw ku munsi. Urukiko rurasanga nta kosa yakozwe muri urwo rubanza, uwo murongo rwashingiyeho akaba ari wo ugomba komeza gukurikizwa muri uru rubanza. ] Hakurikijwe ibimaze gusobanurwa, Urukiko rusanga ibivugwa na BK Insurance ko usaruro w’umuntu ukora umwuga wo gutwara abantu kuri moto wa 6.444 Frw ku munsi atari wagombaga gushingirwaho, kuko abakora umwuga wo gutwara moto bose badacyura usaruro ungana, cyangwa ko Iraguha Jacques atatanze ibimenyetso by’uko ari wo yatahanaga, gaciro byahabwa. ii) Ku bijyanye n’igipimo cy’ubumuga kigomba gushingirwaho

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ertise, mu gihe Iraguha Jacques yifuza ko kibarirwa kuri 56% cyemejwe na muganga wa Leta mu bitaro bya Kibuye. ] Ingingo ya 6, igika cya 3, y’Iteka rya Perezida No 32/01 ryo ku wa 25/08/2003 rishyiraho uryo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe binyabiziga iteganya ko “Mu minsi mirongo cyenda ikurikira iyakirwa ry'iyo raporo muganga, uwahohotewe ahita atanga icyemezo cye kuri iyo raporo. lyo icyo gihe kirenze, ahohotewe ataratanga icyemezo cye, bifatwa nk'aho uwahohotewe abyemeye”. ] Igika cya 4 cy’ingingo imaze kuvugwa giteganya ko mu gihe habaye ukutumvikana kuri oro ya muganga, raporo ya muganga w’umwishingizi ititabwaho. ] Ku bijyanye n’uru rubanza, inkiko zabanje zabariye Iraguha Jacques indishyi zishingiye gipimo cya 56% cyemejwe na muganga wo mu Bitaro bya Kibuye kubera ko ababuranyi umvikanye ku gipimo gikwiye gushingirwaho, ibyo zikaba zarabishingiye ku ngingo ya 6, igika 4, y’Iteka rya Perezida ryavuzwe haruguru. Urukiko rurasanga icyo gipimo ari cyo gikwiye abwa agaciro kurusha contre-expertise yakozwe na muganga wa BK Insurance kubera pamvu zikurikira: a) nibyo biteganywa mu ngingo ya 6, igika 4, y’Iteka rimaze kuvugwa nk’uko n’inkiko zabanje zabisobanuye; b) BK Insurance ivuga ko Iraguha Jacques yamenye contre-expertise ubwo yari ikimara gukorwa niyo igomba kubitangira ibimenyetso hashingiwe ku ngingo ya 12 y’Itegeko No 22/2018

ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi3. c) nta kigaragaza ko Iraguha Jacques yamenyeshejwe koko iyo contre- expertise ikimara gukorwa, kuko inyandikomvugo y’iburanisha yo ku wa 08/05/2023 mu Rukiko Rwisumbuye rwa Karongi igaragaza ahubwo ko uwo munsi uburanira BK Insurance yamenyesheje Urukiko ko nta contre- expertise irakorwa, iyo akaba ari imwe mu mpamvu zatumye iburanisha risubikwa rigashyirwa ku wa 05/06/2023. Kuri uyu munsi, uburanira Iraguha Jacques yasobanuye ko umukiliya we cyangwa umuganga umukurikirana batigize bamenyeshwa iyo contre-expertise, maze asaba Urukiko kuzashingira kuri raporo ya muganga wa Iraguha Jacques. iii) Ku bijyanye n’igipimo cy’ibitsa gikwiye gushingirwaho habarwa indishyi z’ibangamirabukungu ] Mu rubanza N° RS/INJUST/RC 00002/2023/SC rwaciwe ku wa 08/03/2024 haburana NLAM AG Plc na MUKANDAYISENGA Albertine na bagenzi be, mu gika cya 23, uru kiko rwemeje ko igipimo cy’ibitsa gikoreshwa mu kubara indishyi z’ibangamirabukungu omba kungana n’igipimo cy’inyungu y’ibitsa (Deposit Rate) ikoreshwa n’amabanki.

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urikijwe umurongo umaze gutangwa haruguru, Urukiko rurasanga haragombaga gushingirwa gipimo cy’inyungu y’ibitsa ikoreshwa n’amabanki igaragara ku rubuga rwa Banki nkuru gihugu (BNR) ku munsi w’isomwa ry’urubanza rusabirwa gusubirishwamo ku mpamvu karengane, ni ukuvuga ku wa 27/06/2024. Urwo rubuga rugaragaza ko mu kwezi kwa Kamena 4, icyo gipimo cyari 10.10%4. iv) Uburyo indishyi Iraguha Jacques akwiye zigomba kubarwa ] Ku bijyanye n’indishyi z’ibangamirabukungu, Urukiko rurasanga mu rubanza rwasabiwe ubirishwamo ku mpamvu z’akarengane, zarabazwe hashingiwe ku ngingo ya 185 y’Iteka rya ezida No 32/01 ryo ku wa 25/08/2003 ryavuzwe haruguru, ikosa ryonyine ryakozwe akaba ari rwashingiye ku gipimo cy’ibitsa cya 6.4 % kitatangiwe ibisobanuro. Nk’uko byasobanuwe uguru, Urukiko Rukuru rwagombaga gushingira ku gipimo cy’ibitsa cya 10.10% kurikizwaga igihe urubanza rwacibwaga; bityo iryo kosa rikaba rigomba gukosorwa, indishyi bangamirabukungu zikaba zigomba kubarwa mu buryo bukurikira: 44 Frw × 30 × 12 × 36 × 56% = 10.088.001 Frw. 1+ (10.10% × 36) ] Ku bijyanye n’indishyi z’ububabare ku mubiri zingana na 2.320.000 Frw, iz’ibangamira uburanga zingana na 464.000 Frw, iz’ibangamira ry’uburambe mu kazi zingana na 1.159.998 w Iraguha Jacques yagenewe mu rubanza rwasabiwe gusubirishwamo ku mpamvu karengane, Urukiko rurasanga zarabazwe mu buryo bukurikije amategeko, bityo izategetswe Urukiko

Rukuru, Urugereko rwa Rusizi rukorera i Karongi zikaba zidahindutse. Rurasanga di igihembo cya Avoka kingana na 500.000 Frw n’amafaranga yo kwivuza, ingendo ndetse byangombwa angana na 243.970 Frw Iraguha Jacques yagenewe n’Urukiko Rukuru ahamyeho ne cyane ko na BK Insurance iyemera. ] Ku bijyanye n’indishyi zo gutakaza amahirwe yo gushaka, BK Insurance ivuga ko ntazo guha Jacques yagombaga kugenerwa kuko ubumuga yagize butari hejuru ya 50%, Urukiko asanga ibyo ivuga nta shingiro bifite kuko nk’uko byasobanuwe haruguru, uru Rukiko garagaje ko igipimo cy’ubumuga kigomba gushingirwaho ari icya 56% cyemejwe na Muganga Leta nk’uko n’Urukiko Rukuru rwabisobanuye. Kubera iyo mpamvu, indishyi zingana na 20.000 Frw zagenewe Iraguha Jacques zikaba zidahindutse. ] Hakurikijwe ibisobanuro byatanzwe haruguru, Urukiko rurasanga uretse indishyi bangamirabukungu zabazwe hashingiwe ku gipimo cy’inyungu y’ibitsa, ibindi byategetswe Urukiko Rukuru, Urugereko rwa Rusizi rukorera i Karongi mu rubanza N° RCA 44/2023/HC/RSZ rusubirwamo ku mpamvu z’akarengane bidahindutse, bityo indishyi BK urance igomba kwishyura Iraguha Jacques zikaba ari izi zikurikira: i) indishyi z’ibangamirabukungu =10.088.001 Frw;

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v) igihembo cya Avoka= 500.000 Frw; vi) amafaranga yo kwivuza, ay’ingendo n’ibyangombwa=243.970 Frw; vii) indishyi zo gutakaza amahirwe yo gushaka=2.320.000 Frw. Zose hamwe= 17.095.969 Frw ] Dosiye igaragaza ko BK Insurance yashyize mu bikorwa urubanza rwaciwe n’Urukiko kuru, Urugereko rwa Rusizi rukorera i Karongi, maze ku wa 26/07/2024, yishyura Iraguha ques 21.164.549 Frw; bityo Iraguha Jacques akaba agomba kuyisubiza ikinyuranyo kiri hagati yo mafaranga n’ayo akwiye kwishyurwa, ni ukuvuga 21.164.549 Frw - 17.095.969 Frw= 68.580 Frw. Gusuzuma ishingiro ry’amafaranga y’ikurikiranarubanza n’ay’igihembo cya oka. ] Me Manirakiza Claude avuga ko BK Insurance igomba kwishyura Iraguha Jacques .000 Frw y’ikurikiranarubanza na 1.000.000 Frw y’igihembo cya Avoka kubera ko ikomeje mushora mu manza zidafite ishingiro. ] Me MANDELA Wilson avuga ko indishyi zisabwa na Iraguha Jacques nta shingiro wiye guhabwa.

UKO URUKIKO RUBIBONA ] Ingingo ya 111 y’Itegeko N° 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize manza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi nk’uko ryahinduwe eza ubu, igira iti: “ikirego cy’amafaranga y’ikurikiranarubanza ni ikirego gishamikira ku ego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza …”. ] Urukiko rurasanga amafaranga y’ikurikiranarubanza n’ay’igihembo cya Avoka asabwa na guha Jacques atayahabwa, kuko hari icyo yatsindiwe muri uru rubanza. III. ICYEMEZO CY’URUKIKO ] Rwemeje ko ikirego cyatanzwe na BK General Insurance Co Ltd, gisaba gusubirishamo mpamvu z’akarengane urubanza N° RCA 00044/2023/HC/RSZ rwaciwe n’Urukiko Rukuru, ugereko rwa Rusizi rukorera i Karongi ku wa 27/06/2024 gifite ishingiro ku bijyanye gusa gipimo cy’ibitsa cyagombaga gukoreshwa habarwa indishyi z’ibangamirabukungu; ] Rwemeje ko urubanza N° RCA 00044/2023/HC/RSZ rwaciwe n’Urukiko Rukuru, k R i i k i K i k 27/06/2024 hi d t k bij ’i di h i

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umubiri; 464.000 Frw y indishyi z ibangamira ry uburanga; 1.159.998 Frw y indishyi bangamira ry'uburambe mu kazi; 2.320.000 Frw y’indishyi zo gutakaza amahirwe yo gushaka; .970 Frw yo kwivuza, ingendo ndetse n’ibyangombwa na 500.000 Frw y’igihembo cya Avoka ku rwego rwa mbere; yose hamwe akaba angana na 17.095.969 Frw; ] Rutegetse Iraguha Jacques gusubiza BK General Insurance Co Ltd 4.068.580 Frw.