KANGABE NABANDI v RADIANT

# KANGABE NABANDI v RADIANT

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-11-08 - Case/document no.: RCA00308/2021/HC/KIG - Collection: High Court

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KANGABE N’ABANDI v RADIANT INSURANCE COMPANY LTD [Rwanda URUKIKO RUKURU - RCA00308/2021/HC/KIG (Nkusi, P.J) 08 Ugushyingo 2023] Amategeko agenga imanza z’imbonezamubano – Ubwishingizi bw’impanuka – Impanuka zitewe n’ibinyabiziga – Kutabasha kugaragaza ko uwahitanywe n’impanuka yari umukozi wa nyirikinyabiga cyamuhitanye - Mu manza z’ubwishingizi, igihe cyose nta kigaragaza ko uwahitanywe n’impanuka yari umukozi kuri iyo modoka, afatwa nkundi wese (tiers) wahitanywe n’impanuka. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yakozwe n’ikinyabiziga cyari gitwawe na Munyabugingo igahitana Nsabimana ubwo yari arimo afungura igipangu ngo iyo modoka yinjire hanyuma ikamugonga agahita apfa. Abaregera indishyi begereye Radiant Insurance Company Ltd (Radiant), umwishingizi w’ikinyabiziga cyakoze impanuka hanyuma ababwira ko indishyi bakwiye kuzisaba Munyabugingo bituma batanga ikirego mu Rukiko Rwisumbuye basaba guhabwa indishyi, rwemeza ko ikirego cyabo nta shingiro gifite. Bajuririye mu Rukiko Rukuru bavuga ko Radiant ariyo ikwiye kubaha indishyi kuko ibyo ivuga ko nyakwigendera yari umukozi wa Munyabugingo nta gihamya cyabyo yabashije kugaragaza. Urukiko rwakiriye ubu bujurire maze rusuzuma ikibazo cyo kumenya niba hari impamvu yemewe n'amategeko yakuraho Radiant uburyozwe bw'impanuka yahitanye Nsabimana. Abarega basobanura ko Radiant ikwiye kubishyura indishyi kuko ariyo yari yarishingiye ikinyabiziga cyagonze Nyakwigendera kandi ko ibivugwa na Radiant ko Nsabimana yari umukozi wa Munyabugingo, nyiri kinyabiziga cyamuhitanye ari mu kazi, atari byo kuko nta kigaragaragaza ko yari umukozi we, nk’amasezerano cyangwa indi nyandiko ya RSSB yaba igaragaza ko koko Nsabimana yaba yari umukozi we igihe yamugongaga agapfa. Radiant yo ivuga ko nkuko Munyabugingo yabyiyemereye ko uwagonzwe yari umukozi we, isanga icyo kimenyetso gihagije mu kugaragaza ko nyakwigendera yari umukozi bityo indishyi zikaba zikwiye gusabwa Munyabugingo wamugonze hisunzwe amategeko y’umurimo. Incamake y’icyemezo: Mu manza z’ubwishingizi, igihe cyose nta kigaragaza ko uwahitanywe n’impanuka yari umukozi kuri iyo modoka, afatwa nkundi wese (tiers) wahitanywe n’impanuka bityo ibyo Radint Insurance Company Ltd ivuga bikaba nta shingiro bifite kuko itabasha kugaragaza ko Nsabimana yari umukozi wa Munyabugingo akaba agomba gufatwa nk’undi wese. Ubujurire bufite ishingiro. Amategeko yashingiweho: Itegeko- Teka Nº 32/75 rigena ubwishingire butegetswe ku buryozwe butewe n’ibigenzwa ku butaka, Ingingo ya 47; Iteka rya perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw'umubiri buturutse ku mpanuka zitewe n-ibinyabiziga, ingingo ya 21, 22, 23.

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Imanza zifashishijwe: RCA 00076/2021/HC/MUS, SANLAM AGPLC na Kaboneka Yvan n’Abandi, rwaciwe n’Urukiko Rukuru, Urugereko rwa Musanze, ku wa 28 Ugushyingo 2022. Urubanza I. IMITERERE Y’URUBANZA [1] Uru rubanza rusaba indishyi rushingiye ku mpanuka yabaye kuwa 29/11/2019 mu mudugudu wa Marembo ,Akagali ka Nyabisindu,Umurenge wa Remera,Akarere ka Gasabo ikozwe n’imodoka NISSAN PATROL RAB 380 I yaritwawe na Munyabugingo Oreste igahitana Nsabimana Innocent abaregera indishyi bafitanye amasano aribo Kangabe Florence; Nyirantwali Beatrice; Nyiramana Donathile; Niyibizi Jacqueline; Niringiyimana Jean Damascene; Nshimiyimana Pascal; Mushimiyimana Marie Josee; Akacu Ruth; Bizumuremyi Fabienna na Uwizeyimana Joselyne. Ikirego cyatangiriye mu rukiko Rwisumbuye rwa Gasabo barega Radiant Insurance Company LTD iyo modoka Nissan Patrol RAB 380 I yarifitemo ubwishingizi. Abarega bagannye ubuyobozi bwa Radiant batungurwa no kubwirwa ko idashobora kwishyura indishyi bayisaba kuko ngo Nsabimana Innocent yari umukozi wa Munyabugingo Oreste ngo akaba ariyo mpamvu bagannye urukiko kugira ngo rubarenganure runabaheshe indishyi zose baregera; [2] Radiant Insurance Company LTD mu kwiregura isobanura ko isanga ibivugwa n’abarega ko ari Radiant igomba kubishyura indishyi kubera ko ngo ariyo yari yarishingiye ikinyabiziga cyagonze Nsabimana Innocent agapfa atari ukuri kuko ngo usuzumye inyandiko imenyekanisha impanuka yakozwe na Munyabugingo Oreste ubwe yiyandikiye ngo usanga ayivugamo ko yagonze Nsabimana Innocent umuzamu we agahita apfa; ko iyi mvugo ya Munyabugingo Oreste igaragaza ko Nsabimana yari umukozi wo mu rugo wagonzwe ari mu kazi ko gufungurira shebuja we urugi rw’igipangu; yashoje asaba urukiko kudaha agaciro ikirego cyabo kuko ngo Radiant ishingiye ku amasezerano rusange y’ubwishingizi bw’ibinyabiziga ifitanye na nyiri ikinyabiziga isanga nta ndishyi yaryozwa muri uru rubanza; ko ahubwo abarega bose asanga uwo bakwiye kurega basaba indishyi ari Munyabugingo Oreste wiyemereye ko ariwe wagonze nyakwigendera agahita apfa. [3] Kuwa 08/10/2021 Urukiko Rwisumbuye rwa Gasabo rwaciye urubanza rwemeza kwakira no gusuzuma ikirego rwagejejweho na Kangabe Florence; Nyirantwali Beatrice; Nyiramana Donathile; Niyibizi Jacqueline; Niringiyimana Jean Damascene; Nshimiyimana Pascal; Mushimiyimana Marie Josee; Akacu Ruth; Bizumuremyi Fabienna Uwizeyimana Joselyne;nyuma yo kugisuzuma rwasanze nta shingiro gifite; Rukiza ko abarega Kangabe Florence; Niyibizi Jacqueline; Niringiyimana Jean Damascene; Nshimiyimana Pascal; Mushimiyimana Marie Josée; Akacu Ruth; Bizumuremyi Fabienna Uwizeyimana Joselyne; Nyirantwali Beatrice; Nyiramana Donathile batsinzwe kubw’impamvu zasobanuwe haruguru; Rwemeza kandi ko amafaranga batanzeho ingwate y’igarama baregera uru rukiko ahwanye n’ibyakozwe muri uru rubanza. [4] Kangabe

Florence;Nyirantwali

Beatrice;Nyiramana

Donathile;Niyibizi Jacqueline;Niringiyimana Jean Damascene;Nshimiyimana Pascal;Mushimiyimana Marie Josee;

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Akacu Ruth; Bizumuremyi Fabienna Uwizeyimana Joselyne ntibishimiye imikirize y’urubanza bajurira mu Rukiko Rukuru basaba kumenya niba umwanzuro murubanza RC 00348/2020/TGI/GSBO warafashwe mu buryo bwemewe n’amategeko; kumenya ishingiro ry’indishyi z’ibyakoreshejwe mu rupfu rwa nyakwigendera Nsabimana Innocent ndetse n’indishyi z’ikurikirana rubanza n’igihembo cya avoka. Bajuriye kandi basaba urukiko gusuzuma niba hari impamvu yemewe n'amategeko yakuraho Radiant uburyozwe bw'impanuka yahitanye Nsabimana Innocent. IBIBAZO BIZASUZUMWA - Gusuzuma niba hari impamvu yemewe n'amategeko yakuraho Radiant uburyozwe bw'impanuka yahitanye Nsabimana Innocent no Gusuzuma niba umwanzuro mu rubanza RC00348/2020/TGI/GSBO warafashwe mu buryo bwemewe n’amategeko; - Gusuzuma ishingiro ry’indishyi z’ibyakoreshejwe mu rupfu rwa nyakwigendera Nsabimana Innocent, ndetse n’indishyi z’ikurikiranarubanza n’igihembo cy’ avoka; II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA A. Gusuzuma niba umwanzuro mu rubanza RC00348/2020/TGI/GSBO warafashwe mu buryo bwemewe n’amategeko [5] Uhagarariye Kangabe Florence; Nyirantwali Beatrice; Nyiramana Donathile; Niyibizi Jacqueline;Niringiyimana Jean Damascene; Nshimiyimana Pascal;Mushimiyimana Marie Josee;Akacu Ruth; Bizumuremyi Fabienna Uwizeyimana Joselyne avuga ko ahingiye ku bimenyetso bagaragarije urukiko ariko ntirubyiteho yewe n’amategeko uko umushingamategeko yayashyizeho ngo arengere umuntu yaba yahuye n’ikibazo nk’icyo umuryango wa nyakwigendera wahuye nacyo barasanga urukiko rwarafashe umwanzuro utabanyuze kuko Radiant itigeze igaragaza ku buryo bwimbitse uburyo badashobora kuryozwa indishyi ku makosa yakozwe n’imodoka bari bishingiye. [6] Uhagarariye Kangabe Florence; Nyirantwali Beatrice; Nyiramana Donathile; Niyibizi Jacqueline; Niringiyimana Jean Damascene; Nshimiyimana Pascal; Mushimiyimana Marie Josee; Akacu Ruth; Bizumuremyi Fabienna Uwizeyimana Joselyne avuga ko ibijyanye no kuba Munyabugingo yaba yaravuze ko Nsabimana Innocent yari umukozi we bavuga ko batabisanga mu nyandiko Police yakoze bakaba basanga ntashingiro kabone niyo yaba yari umukozi bakabaye bagaragaza ibiranga umukozi w’umuntu cyangwa umukozi uwo ariwe wese yaba akorera umuntu ,company n’ikigo aba afite ikigaragaza ko ari umukozi bityo rero ntago imvugo y’umuntu kugiti cye yatanga quality ko umuntu ari umukozi ngo bagasanga urukiko ibyo byose rwarabyirengagije kandi itegeko ribigaragaza ku buryo busobanutse cyane nko mu ngingo ya 11 mugace ka gatatu y’itegeko N° 66/2018 ryo ku wa 30/08/2018 rigenga umurimo mu Rwanda ivuga neza cyane ko umukozi wese agomba kugira amasezerano, bityo ntakintu nakimwe umwishingizi agaragaza kiranga ko Nsabimana Innocent yari umukozi uhoraho cyangwa nkuko babivuga ko ari umuzamu kuko hari company zishinzwe kurinda umutekano yakabaye Nsabimana yaturutsemo ndetse bitaba ibyo Radiant ikaba yagakwiye kugaragaza amasezerano yakoreragaho akazi,ubwishingizi yatangirwaga n’ibindi umukozi wemewe n’amategeko agenerwa n’itegeko bisobanuye ko kuba baje mu rukiko baba bashaka ko hakurikizwa

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amategeko ubundi bigahuzwa n’ibimenyetso bityo rero ntiwaca urubanza ugendeye ku mvugo y’umuntu kandi hari amategeko yakabaye akurikizwa tugasanga urukiko Rukuru rukwiye gusesengura kuburyo bwimbitse maze rugatanga ubutabera bushingiye ku mategeko kandi buboneye nkuko itegeko nshinga ribiteganya cyane mu ingingo ya 29 yaryo. [7] Uhagarariye Kangabe Florence n’abandi akomeza avuga ko ibyo amaze kuvuga bishimagirwa neza n’ingingo ya 19 y’itegeko yavuze haruguru ivuga ko “Umukozi wagize impanuka cyangwa indwara bikomoka ku murimo yarateganyirijwe n’umukoresha we mu kigo cy’ ubwiteganyirize mu Rwanda yishyurwa hakurikije amategeko agenga ubwiteganyirize bw’abakozi mu Rwanda” bivuze ngo ahubwo bakabaye bababwira kugana RSSB mugihe yari umukozi kuko yari no kwishingirwa tugasanga ibyo bavuga byose ari ugushaka kwikuraho inshingano zo kuryozwa indishyi ku ikosa ryakozwe nuwo bari bishingiye bityo ikaba ariyo mpamvu basaba ko urukiko rukuru rwategeka kwishyurira uwo bishingiye indishyi zose uko zakabaye ari 16,237,877Frws ubundi bo bagakurikirana uwo bafitanye amasezerano y’ubwishingizi kuko nibo bamwishingiye kandi babizi neza ko icyo yakora cyose gikomoka ku makosa y’imodoka bishingiye bakiryozwa nta mpaka. [8] Me Asterie uhagarariye Radiant asanga indishyi zasabwa Munyabugingo Oreste (umukoresha) aho kuzisaba Radiant ngo cyangwa rukaba rwaregwa mu manza z’umurimo. Yanibajije niba kwishyuzwa indishyi byasangirwa na Munyabugingo Oreste akaba yibaza icyo jugement avat dire droit yaba yarabivuzeho ari nabyo yari yabanje gusaba ko yabanza kugaragazwa noneho akayishingiraho yiregura. Me Ndahimana Jean Bosco avuga ko nta mpamvu yo kugobokesha Munyabugingo ko ahubwo rwaba urubanza rw’umurimo. Naho Me Camile Niyotwagira akomeza kwemeza ko ibyaribyobyose mu iburanisha riheruka byose byari byaburanweho. UKO URUKIKO RUBIBONA [9] Ku Nzitizi yo kubanza guhabwa jugement avant-dire droit urukiko rwasanze itaba impamvu yo gusubika iburanisha kuko ikiburanwa kizwi ahubwo ababuranyi barimo Radiant bakaba bagomba gusobanura ishingiro ry’ibyo baburana bakanatanga ibimenyetso urukiko rukaba rwaremeje ko iburanisha rikomeza. Naho ku bijyanye n’ugomba gusabwa gutanga indishyi hagati ya Munyabugingo Oreste na Radiant cyangwa niba nyakwigendera yagengwa n’amategeko agenga abakozi baguye mu kazi (RSSB yita ku bo umukozi yasize nkuko amategeko ayigenga ateganya) uru rukiko rusanga Radiant itagaragaza ibimenyetso bihagije byashingirwaho urukiko rwemeza ko nyakwigendera yari umukozi. Nta bwiteganyirize uyu nyakwigendera yarafite cg ikindi RSSB yashingiraho imwitaho kandi Munyabugingo nawe akaba ataryozwa gutanga indishyi kandi afite ubwishingizi muri Radiant ku byo ikinyabiziga cye cyari kwangiza. Bityo rero Nsabimana Innocent akaba agomba gufatwa nk’abandi bose kuko ntaho ahuriye no kuba umukozi birashoboka ko yari kuzaba umukozi ariko yarataraba we.Kuba rero Radiant iterekana aho nyakwigendera yaba ahurira n’ikigo cy’ubwiteganyirize (RSSB) cg ngo abe ari umuzungura wa Munyabugingo uru rukiko rushingiye no ku rubanza rwaciwe n’Urukiko rukuru rwa Musanze ruri mu cyegeranyo mu rubanza1 rwaburanagamo uwitwa 1Jurisprudence /case law RCA 00076/2021/HC/MUS (Mukamuhire P.J.) 28 Ugushyingo 2022; Mu manza z’ubwishingizi, igihe cyose nta kigaragaza ko uwahitanywe n’impanuka yari umukozi kuri iyo modoka, afatwa nkundi wese (tiers) wahitanywe n’impanuka – Indishyi zikabarwa hakurikijwe Iteka rya perezida N o 31/01

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Mukamuhire rusanga nyakwigendera agomba gufatwa nk’umuturage wese(tierce personne) wagize impanuka Radiant ikaba igomba kumuha indishyi. [10] Urukiko rurasanga nanone ibi bisobanuro aribyo bisobanura akamaro nyirimodoka wafashe ubwishingizi aba akurikiranye iyo afata ubwo bwishingizi nuko habaho uwishingira (ikigo cg umuntu) ibikorwa bye cyangwa by’ikinyabiziga cye kandi uwo wishingiye akaba afite ubushobozi nyirimodoka adafite bityo kugira assurance bikamurengera. Urukiko rukuru rusanga Oreste nawe aricyo yafatiye ubwishingizi bw’ibikorwa byangiriza abantu ikinyabiziga cye gishobora gukora bikaba bivuze ko gushaka ko yongera kubazwa uburyozwe nkaho nta bwishingizi yigeze afata byaba ari ugutesha agaciro igikorwa nyirizina cy’uko LETA yashyizweho ubwishingizi butegetswe (assurance obligatoire). [11] Urukiko rurasanga nubwo ingingo ya 47 AOÛT 1975 - DÉCRET-LOI Nº32/75. Assurance obligatoire de la responsabilité civile en matière de véhicules automoteurs ivuga ko bishoboka ko hari abadashobora kurebwa n’ubwishingire bwafashwe na nyirikiziga aribo umushoferi n’abo mu muryango we babana mu nzu iri tegeko ntabwo ryigeze ribigira itegeko ndakuka (loi impérative) ahubwo ni ibishobora gukorwa (facultative) si ibitegetswe nubwo byashyizwe muri conditions generales d’assurance bikozwe n’utanga ubwo bwishingire ariwe Radiant bivuga ko bitazitira urukiko kubibona ukundi cyane ko Radiant itagaragaza undi utari Munyabugingo (l’assuré) ugomba guha indishyi umuryango wa nyakwigendera Nsabimana Innocent. Kuba atagomba kuba Munyabugingo kandi nuko byaba byambuye agaciro principe ya assurance contre tiers cyangwa assurance obligatoire ubwayo mu yandi magambo nta kamaro gufata assurance byaba bigifite niba ari uyifite ari utayifite bose baba bagomba kwikora mu mufuka bishyura ibyo imodoka zabo zangije. Uru rukiko rurasanga nyakwigendera yaramaze igihe cy’iminsi mike (3) ageze mu rugo rwa Oreste byumvikane ko ntacyo yari yakamukorera haba kumwandikisha cg kumuhemba nk’umukozi uru rukiko rukaba rutamufata nk’umukozi uvugwa mu ngingo ya 4 twavuze cg mu ngingo ya 7 yo muri conditions generales za contrat d’assurance Radiant yagaragarije urukiko bikaba rero bitamuvana mu bishingiwe bagomba kwishyuririrwa indishyi. [12] Uburyo indishyi zigomba kubarwa bishingiye ku Iteka rya perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw'umubiri buturutse ku mpanuka zitewe n-ibinyabiziga. 1. Indishyi mbangamirabukungu zihabwa umugore wa Nsabimana hamwe n’umwana wabo: 3000 frw x 30x12x2/3x34 = 7.242.603 FRW; 1+(7%x34) 2. Indishyi z’akababaro ku mugore wa Nsabimana: 3000Frw x30x12x1= 1.080.000frw; 3. Indishyi z’akababaro ku mwana wa Nsabimana: 3000 FRW x30x12x0.75= 810 000 frw; 4. Indishyi z’akababaro ku mubyeyi: 3000 frwx30x12x0.75= 810 000 frw; 5. Indishyi z’akababaro ku bavandimwe ba Nsabimana: 3000Frw x30x12x0.5 x6 = 3240 000frw. ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw'umubiri buturutse ku mpanuka zitewe n’ibinyabiziga

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B. Gusuzuma ishingiro ry’indishyi z’ibyakoreshejwe mu rupfu rwa nyakwigendera Nsabimana Innocent, ndetse n’indishyi z’ikurikirana rubanza n’igihembo cya avoka. [13] Uhagarariye Kangabe Florence; Nyirantwali Beatrice; Nyiramana Donathile; Niyibizi Jacqueline;Niringiyimana Jean Damascene; Nshimiyimana Pascal;Mushimiyimana Marie Josee; Akacu Ruth; Bizumuremyi Fabienna Uwizeyimana Joselyne avuga ko Ingingo ya 21 y’iteka rya Perezida Nº 31/01, ryo ku wa 25/08/2003, rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, igaragaza uburyo indishyi zitangwa,iteganya ko “amafaranga yakoreshejwe ku wapfuye hamwe n’ayo gushyirwa mu bitaro mbere y’urupfu, ndetse hamwe n’ayo gutwara umurambo igihe bibaye ngombwa, agomba gusubizwa abayatanze habanje kwerekanwa ibimenyetso bihamye, agatangwa n’uwateje impanuka cyangwa umwishingizi we” bityo kuba hari byinshi byatakajwe kurupfu rwa Nsabimana Innocent ntagushindikanya guhari ko Radiant yasubiza amafaranga angana na 587,700Frws y’ibyakozwe n’amafaranga yatanzwe:1.Kwivuza 45,000Frw; 2. Ibyakoreshejwe mu muhango wo gushyingura nyakwigendera Nsabimana Innocent (Imodoka: 230,000Frw, Isaduku:150,000Frws., Gutuganya umurambo: 25,000Frws, Ifoto ya nyakwigendera: 6,000Frws, Indabo n’amashuka: 70,000Frws); 3. Dossier 7,700Frw; 4. Declaration 31,500Frws ; 5. Ibyemezo by’inzego z’ibanze ( Attestation de naissance: 10x500 = 5000Frws; Attestation d’Identite complète (10x500=5000Frws); Attestation de Vie: 10x1200frw = 12,000Frws; Attestion de Mariage: 1x500=500Frws. Ikindi kuba Radiant yaranze kumvikana bikageraho Kangabe Florence n’abavandimwe ba nyakwigendera bitabaza avoka akamwishyura ntagushindikanya ko yasubizwa amafaranga y’igihembo cy’avoka ndetse n’amafaranga y’igihembo cy’umuhesha w’inkiko yagiye amenyesha Radiant mu minsi itandukanye kingana na 150.000Frw ndetse n’igihembo cy’avoka kingana na 1,500,000Frws ndetse n’amafranga y’ikurikirana rubanza angana na 500,000Frw. [14] Uhagarariye Radiant avuga ko amafaranga basaba adafitiwe ibimenyetso ko nta IBM bafite zashingirwaho basaba indishyi nkuko amategeko abiteganya. UKO URUKIKO RUBIBONA [15] Urukiko rusanga nubwo Me Asterie uhagarariye Radiant avuga ko nta IBM zatanzwe uko byagenda kose nuko umuhango wo gushyingura utabura gutwara amafaranga kandi IBM abatanga service muri uwo muhango bakaba bose badashobora gutanga IBM bityo urukiko mu bushishozi bwarwo rukaba rusanga hakwiriye kwishyurwa ibyo rubona byanze bikunze byarakozwe kandi igiciro cyabyo kikaba cyaba aricyo.Bityo nk’amafaranga yakoreshejwe agizwe na 45 000 frw ya Forensic + 450000 (gukodesha imodoka + isanduku+ gutunganya umurambo + indabo ,ifoto n’amashuka ) + 7700 frw yaguzwe dossier + 6000 frw +7200 frw+13000 frw na 1200 frw+1200frw yaguzwe ibindi bya ngombwa bitandukanye (reba factures) yose hamwe akaba 556300 frw agomba gusubizwa abaregera indishyi bayatanze. C. Gusuzuma amafaranga y’igihembo cya Avoka n’ay’ikurikiranarubanza. [16] Me Niyotwagira Camile yasabye igihembo cya avoka cya 1500 000 frw n’ayikurikiranarubanza ya 500 000 frw.

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UKO URUKIKO RUBIBONA [17] Urukiko rusanga ayasabwe ari menshi bityo atanzwe mu bushishozi akaba ari 500 000frw ku rwego rwisumbuye na 250 000 frw mu rwego rw’ubujurire hiyongereyeho 300 000 frw y’ikurikiranarubanza ku nzego zombie (TGI na HC). III. ICYEMEZO CY’URUKIKO [18] Rwemeje ko ubujurire bwa Kangabe Florence na bagenzi be bufite ishingiro. [19] Rutegetse Radiant guha indishyi Kangabe Florence na bagenzi be mu buryo bukurikira: 1. Mbangamirabukungu ku mugore wa Nsabimana hamwe n’abana babo: 3000 frw x 30x12x2/3x34 = 7.242.603 FRW; 1+(7%x34); 2. Indishyi z’akababaro ku mugore wa Nsabimana: 3000Frw x30x12x1= 1.080. 000frw; 3. Indishyi z’akababaro ku mwana wa Nsabimana: 3000 FRW x30x12x0.75 = 810 000 frw; 4. Indishyi z’akababaro ku mubyeyi: 3000 frwx30x12x0.75= 810 000 frw; 5. Indishyi z’akababaro ku bavandimwe ba Nsabimana: 3000Frw x30x12x0.5 x6 = 3240 000frw; [20] Rutegetse Radiant Gusubiza amafaranga yakoreshejwe angana na 556.300 frw. [21] Rutegetse Radiant guha abaregeye indishyi amafaranga y’igihembo cy’ avoka ku nzego zombi angana na 750 000 na 300 000 y’ikurikiranarubanza ku nzego zombie (TGI na HC) yose hamwe akaba 1050000 frw. [22] Rutegetse Radiant gusubiza 20.000frw na 40.000frw yatanzwe ho ingwate ya magarama ku nzego zombi (TGI na HC).