HABUMUGISHA v OLD MUTUAL INSURANCE PLC

# HABUMUGISHA v OLD MUTUAL INSURANCE PLC

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-08-25 - Case/document no.: RCA 00082/2023/HC/KIG - Collection: High Court

## Text

## Page 1

HABUMUGISHA v OLD MUTUAL INSURANCE PLC [Rwanda URUKIKO RUKURU - RCA 00082/2023/HC/KIG (Gatete, P.J.) 25 Kanama 2023] Amategeko agenga imanza z’imbonezamubano – Ubwishingizi – Imanza z’indishyi – Indishyi zo gutakaza akazi - Usaba indishyi zo gutakaza akazi agomba kugaragaza ibimenyetso by’akazi yakoraga, hakitabwa no ku mahirwe yatakaje yo kubona akazi. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yakozwe n’imodoka Volkswagen RAD 097 T yari ifite ubwishingiz bwa Old Mutual Insurance Rwanda PLC igonga Habumugisha, imusigira ubumuga bungana na 100%. Yegereye umwishingizi asaba indishyi ariko ntibumvikana nyuma atanga ikirego mu Rukiko rwisumbuye rwa Gasabo asaba guhabwa indishyi zitandukanye. Urukiko rwategetse uregwa gutanga indishyi zitandukanye zirimo izo gutakaza akazi ndetse n’ibyakoreshejwe mu kwivuza. Uregwa ntiyishimiye imikirize y’urubanza arujuririra mu Rukiko Rukuru avuga ko Urukiko rwisumbuye rwategetse ko hatangwa indishyi zo gutakaza akazi kandi Habumugisha nta kazi yagiraga ndetse n’indishyi z’ibyo yakoresheje hadashingiwe ku nyemezabwishyu zagaragajwe. Urukiko Rukuru rwakiriye ubwo bujurire rusuzuma ibibazo birimo icyo gusuzuma niba inidshyi z’uburambe mu kazi Habumugisha asaba zifite ishingiro no gusuzuma niba amafaranga y’ibyakoreshejwe ahura n’inyemezabwishyu zatanzwe akaba akwiye gutangwa. Urega avuga ko Urukiko Rwisumbye rwemeje ko Habumugisha ahabwa indishyi z'uburambe ku kazi kuko impanuka yakoze yamusigiye ubumuga buhoraho, kandi ko buzagira ingaruka ku mirimo yakoraga yatumaga abasha kwibeshaho kandi nta bimenyetso yigeze atanga byemeza ko yari afite akazi. Akomeza avuga ko indishyi z’ibyakoreshejwe zagenwe ntaho zishingiye ko habayeho kubara nabi inyemezabwishyu, ko nabyo byakosorwa. Uregwa asobanura ko nta kindi kimenyetso abona yari gutanga kirenze icyemezo cya muganga gihamya ko yagize ubumuga bungana na 100% ko kuba yaragize ubwo bumuga bituma nta kazi yabasha gukora ndetse n’ako yakoraga ko gucuruza. Naho ku kibazo cy’inyemezabwishyu, ashimangira ko ibyemejwe n’urukiko aribyo byakoreshejwe mu kwivuza kandi ko inyemezabwishyu zabazwe neza. Incamake y’icyemezo: Usaba indishyi zo gutakaza akazi agomba kugaragaza ibimenyetso by’akazi yakoraga hakitabwa no ku mahirwe yatakaje yo kubona akazi bityo kuba Habumugisha yaragaragaje icyemezo cy’amashuri yize kandi ku mwirondoro we hakaba hagaraga ko yari umucuruzi, byonyine ntibihagije ngo abone indishyi zo gutakaza akazi ahubwo akwiye guhabwa indishyi zo gutakaza amahirwe yo kubona akazi. Ikirego cyatanzwe gifite ishingiro kuri bimwe; Imikirize y’urubanza No RC 00294/2022/TGI/GSBO ihindutse gusa kubijyanye n’amafaranga y’ibyakoreshejwe. Amategeko yashingiweho: 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 13.

## Page 2

Itegeko No 22/2018 ryo ku wa 29/04/2018 Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo. Imanza zifashishijwe: RS/INJUST/RC 00010/2021/SC, PRIME INSURANCE COMPANY Ltd na Uwimanimpaye Jean Claude, rwaciwe n’Urukiko rw’Ikirenga ku wa 02/12/2022. Urubanza I. IMITERERE Y’URUBANZA [1] Ku wa 5/11/2021 mu mudugudu wa Estate 2020, Akagali ka Gacuriro, Umurenge wa Kinyinya, Akarere ka Gasabo, mu Mujyi wa Kigali, imodoka Volkswagen RAD 097 T yari itwawe n'uwitwa Kenny Bazoora yishingiwe n'ikigo cy'ubwishingizi Old Mutual Insurance Rwanda PLC, yagonze Habumugisha Samuel wari ku igare yitura muri parebrise y'imodoka imugendana mu ntera ya metero eshanu maze Habumugisha Samuel arakomereka bikomeye, ku buryo nyuma yo kwitabwaho n'abaganga iyi mpanuka yamusigiye ubumuga buhoraho bungana na 100%. Bavuga ko nyuma yo gushaka ibyangombwa biteganywa n'amategeko Habumugisha Samuel yegereye umwishingizi w'ikinyabiziga cyamugonze ngo abarirwe indishyi ziteganywa n'amategeko ariko ntibabasha kumvikana ku ngano yazo kuko umwishingizi yamubariraga amafaranga mu buryo bunyuranyije n'ibiteganywa n'amategeko, akaba ariyo mpamvu yiyambaje ubutabera. [2] Habumugisha Samuel yareze Old Mutual Insurance Rwanda mu Rukiko Rwisumbuye rwa Gasabo, avuga ko kubera ubumuga yagize bwa 100% yatewe n’ikinyabiziga cyishingiwe na Old Mutual Insurance Rwanda asaba ko yahabwa indishyi z’ibangamirabukungu, indishyi z’akababaro, indishyi z’ibangamira ry’uburanga, indishyi z’ibangamira ry’uburambe mu kazi, indishyi zo gutakaza amahirwe yo gushaka, indishyi z’ibyakoreshejwe, amafaranga y’ikurikiranarubanza n’amafaranga y’igihembo cya Avoka. [3] Old Mutual Insurance Rwanda PLC mu kwiregura isobanura ko yamenyeshejwe iby’iriya mpanuka ndetse inemera kwishyura indishyi ziteganywa n’amategeko, ngo ariko Habumugisha Samuel yarazanze ahitamo kuregera Urukiko; maze isaba ko Habumugisha Samuel yahabwa indishyi hakurikijwe uko amategeko abiteganya. [4] Kuwa 13/01/2023, Urukiko Rwisumbuye rwa Gasabo rwaciye urubanza rwemeza ko ikirego cya Habumugisha Samuel gifite ishingiro maze rutegeka Old Mitual Insurance Rwanda PLC kwishyura Habumugisha Samuel indishyi mu buryo bukurikira: Indishyi z’ibangamirabukungu zingana n’amafaranga 9.411.620Frws, ikamwishyura indishyi z’akababaro zingana n’amafaranga 1.620.000Frws, ikamwishyura indishyi z’ibangamira ry’uburanga zingana na 1.080.000Frws, ikanamwishyura indishyi z’ibangamira ry’uburambe mu kazi zingana na 540.000Frws,

## Page 3

ikamwishyura indishyi zo gutakaza amahirwe yo gushaka zingana na 1.080.000Frws; yose hamwe akaba amafaranga 13.731.620Frws; rutegeka kandi Old Mutual Insurance Rwanda PLC kwishyura Habumugisha Samuel amafaranga 2.916.272Frws y’ibyakoreshejwe, ikanamwishyura amafaranga 500.000Frws y’igihembo cya Avoka; yose hamwe akaba amafaranga 3.416.272Frws; rutegeka Old Mitual Insurance Rwanda PLC gusubiza Habumugisha Samuel amafaranga ibihumbi makumyabiri (20.000Frws) yatanzeho ingwate y’amagarama, ikayamusubiza mu gihe cy’ukwezi kumwe kuva urubanza rubaye ndakuka, itayamusubiza mu gihe gitegetswe ikajya iyatangira indishyi za 4% buri munsi kugeza igihe izayishyurira. [5] Old Mutual Insurance Rwanda PLC ntiyishimiye imikirize y’urubanza ijurira mu Rukiko Rukuru. Mu myanzuro no mu miburanire ya Old Mutual Insurance Rwanda PLC, Me Ndagijimana Ignace uyihagarariye avuga ko Urukiko Rwisumbuye rwemeje amafanga y'ibyakoreshejwe adahura n'agaragara kuri factures nyazo zatanzwe ndetse ngo Urukiko rwemeje ko Habumugisha Samuel ahabwa indishyi z'uburambe ku kazi kandi bigaragara ko nta kazi yagiraga. [6] Mu myanzuro ya Habumugisha Samuel mu kwiregura yatanze ubujurire bwuririye kubundi asaba gutegeka Old Mutual Insurance kwishyura indishyi Samuel Habumugisha indishyi mbangamirabukungu zibariye ku gipimo cy'ibitsa cya 7.114%, amafaranga y'ibyamutunze igihe yari mu bitaro ndetse n'amafaranga y'igihembo cy’Avoka ndetse n'ay'ikurikiraranarubanza ku rwego rw'ubujurire; mu gihe cy’iburanisha uru rubanza mu mizi, Me Binego Joseph afatanije na Me Karangwa Olivier bahagarariye Habumugisha Samuel bavuze ko baretse ikirego cy’ubujurire bwuririye kubundi maze basaba ko uru Rukiko rwagumishaho ibyemejwe mu rubanza rujuririrwa. [7] Me Ndagijimana Ignace ahagarariye Old Mutual Insurance Rwanda PLC avuga ko Urukiko rwazita ku ngaruka z’uko uwo baburana aretse ubujurire bwe. Iburanisha risojwe, ababuranyi bamenyeshejwe ko urubanza ruzasomwa ku wa 27/07/2023, ariko uwo munsi ntirwasomwa kuko Umucamanza yari mu masomo i Nyanza, maze isomwa ryimurirwa kuwa 25/08/2023. [8] Muri uru rubanza, ibibazo bigomba gusuzumwa n’ibi bikurikira: Gusuzuma ishingiro ry’indishyi z’uburambe mu kazi Urukiko rwageneye Habumugisha Samuel; Gusuzuma niba amafaranga y’ibyakoreshejwe ahura na factures zatanzwe akaba akwiye gutangwa; Gusuzuma niba hari ingaruka zaryozwa umuburanyi waretse ikirego cy’ubujurire bw’uririye ku bundi.

## Page 4

II. IBIBAZO BIRI MU RUBANZA N’ISESENGURWA RYABYO Kumenya niba indishyi z’uburambe mu kazi Urukiko rwageneye Habumugisha Samuel zifite ishingiro. [9] Me Ndagijimana Ignace uhagarariye Old Mutual Insurance Rwanda PLC avuga ko mu rubanza rujuririrwa, mu gika cya 23, Urukiko Rwisumbye rwemeje ko Habumugisha Samuel ahabwa indishyi z'uburambe ku kazi zingana na 540.000Frws kuko impanuka yakoze yamusigiye ubumuga buhoraho, kandi ko buzagira ingaruka ku mirimo yakoraga yatumaga abasha kwibeshaho; ko basanga bitahabwa agaciro kuko Urukiko nta kimenyetso rwashingiyeho kigaragaza imirimo yakorwaga na Habumugisha Samuel, kuko ngo izi ndishyi zishingiye ku gutakaza uburambe ku kazi bityo ugenerwa izi ndishyi akaba agomba kubanza kugaragaza akazi yakoraga cyangwa niba yarafite akazi ndetse ngo nta cyemezo cya muganga kigaragaza ko ubwo bumuga bufite icyo bwamubujije ku kazi. Kuba nta kigaragaza akazi cyangwa umwuga Habumugisha Samuel yakoraga ngo asanga izi ndishyi zitari zikwiye gutangwa. [10] Me Binego Joseph afatanije na Me Karangwa Olivier bahagarariye Habumugisha Samuel bavuga ko basanga indishyi z’uburambe mu kazi Urukiko rwageneye Habumugisha Samuel zifite ishingiro, ko hari icyemezo cya muganga kiri muri dosiye kigaragaza ko yagize ubumuga bwa 100% ko rero basanga nta kindi cyemezo cya muganga gikenewe ndetse ngo izo ndishyi basisabye bashingiye ku rubanza RCAA 0049/14/CS rwaciwe n’Urukiko rw’Ikirenga, ko rero izi ndishyi z’uburambe ku kazi zatanzwe n’Urukiko Rwisumbuye zigomba kugumaho. Uko Urukiko rubibona; [11] Mu rubanza URUBANZA RS/INJUST/RC 00010/2021/SC rwaciwe kuwa 02/12/2022 n’Urukiko rw’Ikirenga rwa PRIME INSURANCE COMPANY Ltd na Uwimanimpaye Jean Claude, mu gika cya 29; Urukiko rwagaragaje ko usaba indishyi zo gutakaza akazi agomba kugaragaza ibimenyetso by’akazi wakoraga1. [12] Uru Rukiko rusanga mu gace ka 22 k’urubanza rujuririrwa Urukiko rwaremeje ko Habumugisha Samuel ahabwa indishyi2 z’ibangamira ry’uburambe mu kazi kuko ari umuntu mukuru wakoze impanuka yari asanzwe yikorera akibeshaho, ko kuba impanuka yakoze yaramusigiye ubumuga buhoraho, ko ibi bizagira ingaruka ku mirimo yakoraga yatumaga abasha 1 Urubanza RS/INJUST/RC 00010/2021/SC igika cya (29): Ku mpaka ziri hagati y’ababuranyi muri uru rubanza zo kumenya niba uhabwa indishyi zo gutakaza akazi ari ubona umushahara ku kwezi nk’uko byemezwa na Prime Insurance Company Ltd, mu gihe Uwimanimpaye Jean Claude we avuga kon’udafite akazi kagaragara gahemberwa ku kwezi agenerwa bene izo ndishyi, Urukiko rurasanga, hashingiwe ku bisobanuro byatanzwe haruguru, umuntu utagaragaza ibimenyetso ko hari akazi yari afite igihe yakoraga impanuka, nta ndishyi zo kugatakaza agomba guhabwa kubera ko nyine ntakoyari afite, bityona Uwimanimpaye Jean Claude akaba nta ndishyi zo gutakaza akazi agomba guhabwa kubera ko, n’ubwo avuga ko yari nyakabyizi, atagaragarije urukiko ibimenyetso by’ako kazi ka nyakabyizi yari afite. 2 Mu rubanza rujuririrwa RC 00294/2022/TGI/GSBO rwaciwe n’Urukiko Rwisumbuye rwa Gasabo kuwa 13/01/2023 mu gace ka 22:”Hashingiwe ku ngingo imaze kuvugwa haruguru, Urukiko rurasanga Habumugisha Samuel ari umuntu mukuru wakoze impanuka yari asanzwe yikorera akibeshaho, kuba rero impanuka yakoze yaramusigiye ubumuga buhoraho, ibi bizagira ingaruka ku mirimo yakoraga yatumaga abasha kwibeshaho, akaba rero ari impamvu ituma OLD MITUAL INSURANCE RWANDA PLC igomba kumuha indishyi z’ibangamira ry’uburambe mu kazi. Izo ndishyi zikaba zigomba kubarwa mu buryobukurikira: 3.000Frws x 30 x 6 = 540.000Frws.”

## Page 5

kwibeshaho; uru Rukiko rwemeranya n’ibyemejwe n’Urukiko Rwisumbuye kuko rusanga bishimangirwa n’uko habayeho gutakaza amahirwe y’akazi kuko muri dosiye harimo icyemezo cyamashuli Habumugisha Samuel yize ndetse ku myirondoro ye bigaragaza ko akazi ke yakoraga yari umucuruzi; bityo rero izi ndishyi z’ibangamira ry’uburambe ku kazi yagenewe n’Urukiko Rwisumbuye zikaba zigomba kugumaho. Kumenya niba amafaranga y’ibyakoreshejwe asabwa akwiye gutangwa. [13] Me Ndagijimana Ignace uhagarariye Old Mutual Insurance Rwanda PLC avuga ko mu rubanza rujuririrwa Urukiko rwategetse Old Mutual Insurance Rwanda PLC igomba guha Habumugisha Samuel amafaranga 2.606.672Frws yakoresheje yivuza; akaba asanga aya mafaranga adakwiriye kuko ngo bigaragara ku nyandiko aya mafaranga ashingiyeho zashyizwe muri system mu rubanza rujuririrwa kuri attachment 005, 006, 006, 008, 016, 017 na 018 usanga izi factures zaragiye zisubiramo bityo zikaba zarabazwe kenshi ndetse hakaba n'izindi bigaragara zidafite aho zihuriye na dosiye yashyikirijwe umwishingizi; ko rero factures nyazo Habumushisha Samuel yashyikirije umwishingizi zingana na 732,003Frw, ko rero ariyo akwiye kwishyurwa; ndetse ngo n'amafaranga yaguzwe ibyemezo byo mu murenge Urukiko rwabaze 3600Frw kandi ibyemezo bihagaze 2,200Frw; asoza asaba Urukiko ko rwasuzuma igiteranyo cy’izo factures. [14] Me Binego Joseph afatanije na Me Karangwa Olivier bahagarariye Habumugisha Samuel bavuga ko basanga amafaranga yibyakoreshejwe ndetse n’ibyemezo baguze bihura n’amafaranga yemejwe n’Urukiko, ko basanga ayo mafaranga yagumaho; basabwa n’Urukiko ko bashyira muri dosiye inyandiko igaragaza neza izo factures kugirango uru Rukiko ruzasuzume niba zihura n’amafaranga yagenwe n’Urukiko mu rubanza rujuririrwa. Uko Urukiko rubibona: [15] Ingingo ya 13 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 iteganya ko: «Amafaranga yo kwivuza, yo gushyirwa mu bitaro, yo kugura imiti, yo gutwarwa mu modoka itwara abarwayi, yo kongera kumenyereza umubiri, yo kugorora ingingo, y’ibyuma bikoreshwa, y’insimburangingo n’ay’ingendo zo kujya kwivuza arihwa n’uwateje impanuka cyangwa umwishngizi we, hakurikijwe ibiciro biriho mu Rwanda. Agomba kwishyurwa n’abo bombi bamaze kubona inzandiko zibihamya, mu kwezi kw’iyakirwa ry’izo nyandiko». [16] Uru Rukiko rusanga abunganira Habumugisha Samuel barasabwe kongera kugaragaza neza factures batanze muri systeme niba zihura n’amafaranga yagenwe mu rubanza rujuririrwa, akaba iyo nyandiko ntayo bagejeje muri dosiye kugeza ku munsi urubanza rusomeweho kandi aricyo kimenyetso cyari kugaragaza ukuri kw’ibyo bavuga; kuba Me Ndagijimana Ignace uhagarariye Old Mutual Insurance Rwanda PLC agaragaza kuri attachment 005, 006, 008, 016, 017 na 018 usanga izi factures zaragiye zisubiramo bityo zikaba zarabazwe kenshi ndetse hakaba n'izindi bigaragara ko zidafite aho zihuriye na dosiye yashyikirijwe umwishingizi; ko rero factures nyazo Habumushisha Samuel yashyikirije umwishingizi zingana na 732,003Frw; uru Rukiko rusanga aya mafaranga 732,003Frw ariyo yatangiwe ibimenyetso ko ariyo yakoreshejwe biturutse ku mpanuka yakomerekeyemo Habumugisha Samuel, ko rero ariyo akwiye kwishyurwa hakiyongeraho amafaranga y’ibyemezo byo kumurenge angana na 2,200Frw; yose

## Page 6

akaba 734,203Frw aho kuba amafaranga 2.916.272Frws y’ibyakoreshejwe yari yemejwe n’Urukiko Rwisumbuye. Gusuzuma niba hari ingaruka zaterwa no kureka ikirego cy’ubujurire bwuririye ku bundi. [17] Me Binego Joseph afatanije na Me Karangwa Olivier bahagarariye Habumugisha Samuel bavuga ko kureka ikirego cy’ubujurire bwuririye ku bujurire bwa Old Mutual Insurance Rwanda PLC ari uburenganzira bwabo kandi ko nta ngaruka ku ruhande rwabo zagombye kubabaho ndetse ko bari batanze ubujurire bwuririye kubundi bagamije ko bakumvikana na Old Mutual Insurance Rwanda PLC bamaze kubona ko bajuriye bagamije gutinza urubanza; ko rero bagaragaje ko baretse ubwo bujurire bwuririye kubundi mu nama ntegura rubanza bashingiye ku ngingo ya 122 y’Itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi nk’uko ryavuguruwe kugeza ubu. [18] Me Ndagijimana Ignace ahagarariye Old Mitual Insurance Rwanda PLC avuga ko Urukiko rwazita ku ngaruka z’uko uwo baburana aretse ubujurire bwe, ko icyo iyo ngingo ya 122 y’Itegeko ivuzwe hejuru ivuga aruko ikirego gisubira uko cyari kimeze mbere y’uko ikibazo kivuka; ko rero iki kirego gikwiye gusubira uko cyari kimeze mubwumvikane (transaction). Uko Urukiko rubibona; [19] Ingingo ya 122 y’Itegeko No 22/2018 ryo ku wa 29/04/2018 Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi ivuga ko:” Kureka ikirego ni ukwiyambura ububasha bwo kuburana. Bijyana no kwiyambura uburenganzira umuntu yari afite bwo gukomeza gukurikirana icyo kirego. Ukwemera k’undi muburanyi si ngombwa” ndetse n’ingingo ya 124 y’Itegeko No 22/2018 ryo ku wa 29/04/2018 Itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi ivuga ko:” Kureka ikirego no kureka urubanza bituma ibintu bisubira uko byari bimeze ku mpande zombi mbere y’uko urukiko ruregerwa. Uretse ikirego cyangwa urubanza ashobora gucibwa amafaranga y’amagarama cyangwa igihembo cy’avoka n’andi yose yatanzwe n’uwo yari yareze mu gukurikirana urubanza”. [20] Uru Rukiko rusanga kuba Me Binego Joseph afatanije na Me Karangwa Olivier bahagarariye Habumugisha Samuel bararetse ikirego cy’ubujurire bwuririye ku bujurire bwa Old Mutual Insurance Rwanda PLC ari uburenganzira bwabo kandi ko nta ngaruka Old Mutual Insurance Rwanda PLC igaragaza zaba zayibayeho kubera ko baretse iki kirego kuburyo hari amafaranga bacibwa; cyane ko Old Mutual Insurance Rwanda PLC ariyo yajuriye muri uru rubanza akaba rero ikirego cyatanzwe cyuririye ku kirego cya Old Mutual Insurance Rwanda PLC kikaba kivuyeho kuburyo bisubira uko byari bimeze bataratanga ubwo bujurire bwabo, bisobanuye ko ubujurire bwabo aribwo buvuyeho maze bigafatwa nk’aho ntabwo batanze; bikaba byumvikanisha ko bemeranya n’ibyemejwe mu rubanza rujuririrwa bityo kureka ubujurire bwuririye ku bundi bikaba bitatuma urubanza rusubira uko rwari rumeze ruri mu bwumvikane, rutaragera mu nkiko. III. ICYEMEZO CY’URUKIKO

## Page 7

[21] Rwemeje ko ikirego cya OLD MUTUAL INSURANCE RWANDA Plc gifite ishingiro kuri bimwe. [22] Rutegetse OLD MUTUAL INSURANCE RWANDA Plc kwishyura Habumugisha Samuel indishyi z’ibangamirabukungu zingana n’amafaranga 9.411.620Frws, ikamwishyura indishyi z’akababaro zingana n’amafaranga 1.620.000Frws, ikamwishyura indishyi z’ibangamira ry’uburanga zingana na 1.080.000Frws, ikanamwishyura indishyi z’ibangamira ry’uburambe mu kazi zingana na 540.000Frws, ikamwishyura indishyi zo gutakaza amahirwe yo gushaka zingana na 1.080.000Frws. Yose hamwe akaba amafaranga 13.731.620Frws. [23] Rutegetse OLD MUTUAL INSURANCE RWANDA PLC kwishyura Habumugisha Samuel amafaranga 734.203Frws y’ibyakoreshejwe, ikanamwishyura amafaranga 500.000Frws y’igihembo cya Avoka; akaba amafaranga 1.234.203Frws. [24] Rutegetse OLD MUTUAL INSURANCE RWANDA PLC gusubiza Habumugisha Samuel amafaranga ibihumbi makumyabiri (20.000Frws) yatanzeho ingwate y’amagarama, ikayamusubiza mu gihe cy’ukwezi kumwe kuva urubanza rubaye ndakuka, itayamusubiza mu gihe gitegetswe ikajya iyatangira indishyi za 4% buri munsi kugeza igihe izayishyurira. [25] Rwemeje ko imikirize y’urubanza Nº RC 00294/2022/TGI/GSBO rwaciwe n’Urukiko Rwisumbuye rwa Gasabo kuwa 13/01/2023 ihindutse gusa kubijyanye n’amafaranga y’ibyakoreshejwe.