MUKANDAYAMBAJE N’ABANDI VS SANLAM AG PLC

# MUKANDAYAMBAJE N’ABANDI VS SANLAM AG PLC

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-11-30 - Case/document no.: RS/INJUST/RC 00021/2022/CA - Collection: Court of Appeal

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MUKANDAYAMBAJE N’ABANDI VS SANLAM AG PLC [Rwanda URUKIKO RUKURU – RS/INJUST/RC 00021/2022/CA (Munyangeri, P.J; Ngagi na Kamere, J.) 30 Ugushyingo 2023] Amategeko Mbonezamubano – Impanuka – indishyi zikomoka ku mpanuka – ikimenyetso cy’umusaruro umuntu yinjiza – Umuntu wikorera ku giti cye nk’umuhinzi agomba kwerekana inyandiko mpampo y’amezi cumi n’abiri igaragaza umusaruro avana mu bikorwa bye, kugirango abe ariwo ushingirwaho mu kubara indishyi mbagamirabukungu zikomoka ku mpanuka Incamake y’ikibazo: Uru rubanza rwatangiye Mukandayambaje uhagarariye abafite uburenganzira ku ndishyi zikomoka ku mpanuka yahitanye Kalilima batanga ikirego mu Rukiko Rwisumbuye rwa Gicumbi barega Soras Assurances Generales Ltd (yahindutse SANLAM AG Plc) basaba Urukiko gutegeka umwishingizi gutanga indishyi zitandukanye kubera iyo mpauka kuko bagerageze gusaba indishyi mu bwumvikane bikananirana. SANLAM AG Plc yireguye ivuga ko inyandikomvugo yakozwe na polisi igaragaza ko koko Kalilima yagonzwe n’imodoka yishingiye ahita apfa kandi ko hagaragajwe ko umushoferi witwa Ruyenzi ari we wagize uburangare bwo kutaringaniza umuvuduko. Yasabye ko uwitwa Akayezu na Hagenimana batagenerwa indishyi kuko kuzibagenera byaba ari ukongera ababuranyi batigeze barega. Urukiko Mu rubanza RC00042/2019/TGI/GIC, rwasanze Akayezu na Hagenimana batagomba kuba ababuranyi muri urwo rubanza kubera ko batigeze baruregera, ahubwo amazina yabo agaragara mu nyandiko ibarirwaho indishyi gusa. Urukiko rwemeje kandi ko ikirego cyatanzwe na Mukandayambaje na bagenzi be gifite ishingiro, rutegeka SORAS AG Ltd kubishyura indishyi 7.075.454Frw. Mukandayambaje na bagenzi be, bajuririye urwo rubanza mu Rukiko Rukuru, bavuga ko indishyi z’ibangamirabukungu zabazwe nabi, banasaba gukosora amakosa y’imyandikire ari muri urwo rubanza. SANLAM AG Plc yireguye ivuga ko nayo isanga indishyi zarabazwe nabi kuko kuba nta murimo cyangwa umushahara bizwi Kalilima yari afite, izo ndishyi zagombaga kubarwa hashingiwe ku mushahara muto uteganyijwe n’Amategeko, ivuga kandi ko isanga gukosora amakosa ari mu rubanza ntacyo bitwaye, kandi ko amafaranga abajuriye bita ayo kwera basaba adateganywa n’Iteka rya Perezida N˚ 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri biturutse ku mpanuka zitewe n’ibinyabiziga. Urukiko mu rubanza RCA00373/2019/HC/KIG, rwemeje ko: ubujurire bwatanzwe na Mukandayambaje na bagenzi be, gifite ishingiro kuri bimwe; ubujurire bwuririye ku bundi bwatanzwe na SANLAM AG Plc bufite ishingiro; ko urubanza rujuririrwa rukosorwa; ko abajuriye bagabana indishyi mbangamirabukungu, mu byatanzwe bigomba gusubizwa abarega havanwamo amafaranga ibihumbi 300.000Frw yo gushyingura no kwera kuko nta bimenyetso biyashyigikiye; Mukandayambaje na bagenzi be, basabye ko urubanza RCA00373/2019/HC/KIG rwaciwe n’Urukiko Rukuru rusubirishwamo ku mpamvu z’akarengane, maze mu cyemezo N˚ 214/CJ/2022, Perezida w’Urukiko rw’Ikirenga yemeza ko rusubirwamo ku mpamvu z’akarengane, rukazaburanishwa n’Urukiko rw’Ubujurire. Mu myanzuro yabo no mu miburanire, Mukandayambaje na bagenzi be banenga kuba baragenewe indishyi mbangamirabukungu hashingiwe ku kuba nta kazi kazwi nyakwigendera Kalilima yakoraga, nyamara yari afite umwuga uzwi w’ubuhinzi. banasaba ko SANLAM AG Plc yabishyura amafaranga y’ikurikiranarubanza n’igihembo cya Avoka.

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SANLAM AG Plc yiregura avuga ko nta kimenyetso abarega batanga kigaragaza ko Kalilima yakoraga imirimo y’ubuhinzi kinyamwuga, ngo bagaragaze niba yarasoraga kandi agasagurira amasoko, ko rero nta kwibeshya kwabayeho mu kubara ndishyi zatanzwe mu rubanza rusubirishwamo ku mpamvu z’akarengane. Ku byerekeye amafaranga y’ibigenda ku rubanza abarega basaba guhabwa, ivuga ko nta shingiro afite, kuko aribo bishora mu manza zitari ngombwa. Nayo isaba amafaranga y’ikurikiranarubanza n’igihembo cya Avoka. Incamake y’icyemezo: 1. Umuntu wikorera ku giti cye nk’umuhinzi agomba kwerekana inyandiko mpampo y’amezi cumi n’abiri igaragaza umusaruro avana mu bikorwa bye, kugirango abe ariwo ushingirwaho mu kubara indishyi mbagamirabukungu zikomoka ku mpanuka. Bityo, iyo atabashije kugaragaza ibyo bimenyetso, abarirwa izo ndishyi hashingiwe ku mushahara w’umuntu udafite akazi kazwi. 2. Ikimenyetso cy’umusaruro umuntu yinjiza kigaragazwa n’inyandiko mpamo. Bityo, Kuba inzego z’ibanze zatanga icyemezo cy’irangamimerere kivugamo ko umuntu akora akazi runaka nk’umuhinzi, ntabwo cyaba ikimetso gishingirwaho kigaragaza akazi umtu akora cyangwa umusaruro yinjiza. Amategeko yashingiweho: Itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, Ingingo ya 111 Iteka rya Perezida N˚ 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri biturutse ku mpanuka zitewe n’ibinyabiziga Ingingo ya 22 Itegeko N˚41/2001 ryo ku wa 19/09/2001 ryerekeye itangwa ry’indishyi ku bahohotewe biturutse ku mpanuka zo ku mubiri zitewe n’ibinyabiziga” ingingo ya 4 Imanza zifashshijwe: Urubanza RS/INJUST/RC 00047/2017/SC rwa NYIRAGANZA Ramu vs SONARWA, rwaciwe n’Urukiko rw’Ikirenga ku wa 23/09/2018. Urubanza I. IMITERERE Y’URUBANZA [1] Ku wa 25/12/2018, imodoka yo mu bwoko bwa Toyota Coaster ifite plaque n˚ RAB 756 R yari ifite ubwishingizi muri SORAS ASSURANCES GENERALES Ltd (yahindutse SANLAM AG Plc) yakoze impanuka ihitana uwitwa Kalilima Emmanuel, akaba yarasize umuryango ugizwe n’umugore, abana bane (4) n’umuvandimwe umwe (1). Ku wa 25/02/2019 abafite uburenganzira ku ndishyi zikomoka kuri iyo mpanuka bashyikirije iyo sosiyete y’ubwishingizi ibyangombwa bikenerwa kugira ngo barangize ikibazo cyo guhabwa indishyi zikomoka kuri iyo mpanuka mu bwumvikane ntibyashoboka, biba ngombwa ko batanga ikirego mu Rukiko Rwisumbuye rwa Gicumbi, basaba izo ndishyi. [2] SANLAM AG Plc yireguye ivuga ko inyandikomvugo yakozwe na polisi igaragaza koko ko ku wa 25/12/2018, imodoka yavuzwe haruguru yagonze uwitwa Kalilima Emmanuel ahita apfa kandi ko hagaragajwe ko umushoferi witwa Ruyenzi Sabiti ari we wagize uburangare bwo kutaringaniza umuvuduko. Yasabye ko uwitwa Akayezu Solange na Hagenimana Jean Bosco batagenerwa indishyi kubera ko kuzibagenera byaba ari ukongera ababuranyi batigeze barega. [3] Mu rubanza RC00042/2019/TGI/GIC rwaciwe n’Urukiko Rwisumbuye rwa Gicumbi ku wa 18/07/2019, urwo Rukiko rushingiye ku ngingo ya 33 y’Itegeko N˚ 22/2018 ryo ku wa 29/04/2018

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ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, rwasanze Akayezu Solange na Hagenimana Jean Bosco batagomba kuba ababuranyi muri urwo rubanza kubera ko batigeze baruregera, ahubwo amazina yabo agaragara mu nyandiko ibarirwaho indishyi gusa. [4] Urwo Rukiko rushingiye ku ngingo ya 17 n’iya 23 z’Iteka rya Perezida N˚ 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri biturutse ku mpanuka zitewe n’ibinyabiziga, no ku ngingo ya 258 y’Igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano cyakoreshwaga igihe impanuka yabaga, rwemeje ko ikirego cyatanzwe na Mukandayambaje Charlotte, Mukandayisenga Claudine, Nzamwitakuze Delphine na Uwamahoro Jeanne gifite ishingiro, rutegeka SORAS AG Ltd kubishyura indishyi zose hamwe zihwanye n’amafaranga miliyoni indwi, ibihumbi mirongo irindwi na bitanu na magana ane na mirongo itanu n’ane (7.075.454Frw). [5] Mukandayambaje Charlotte, Mukandayisenga Claudine, Nzamwitakuze Delphine na Uwamahoro Jeanne bajuririye urwo rubanza mu Rukiko Rukuru, bavuga ko indishyi z’ibangamirabukungu zabazwe nabi, banasaba gukosora amakosa y’imyandikire ari muri urwo rubanza. [6] SANLAM AG Plc yireguye ivuga ko nayo isanga indishyi zarabazwe nabi kuko kuba nta murimo cyangwa umushahara bizwi Kalilima Emmanuel yari afite, izo ndishyi zagombaga kubarwa hashingiwe ku ngingo ya 24, igika cya kane, y’Iteka rya Perezida N˚ 31/01 ryo ku wa 25/08/2003 ryavuzwe haruguru, ko isanga gukosora amakosa ari mu rubanza nta cyo byaba bitwaye, kandi ko amafaranga abajuriye bita ayo kwera adateganywa n’ingingo ya 13 y’Iteka rya Perezida ryakomeje kuvugwa. [7] Mu rubanza RCA00373/2019/HC/KIG rwaciwe n’Urukiko Rukuru ku wa 16/07/2020, Urukiko, rushingiye ku ngingo ya 24, igika cya 4 y’Iteka rya Perezida ryavuzwe haruguru, no kuba hari amakosa y’imyandikire agaragara mu rubanza rwaciwe n’Urukiko Rwisumbuye rwa Gicumbi, rwemeje ko: Ubujurire bwatanzwe na Mukandayambaje Charlotte, Mukandayisenga Claudine, Nzamwitakuze Delphine na Uwamahoro Jeanne bufite ishingiro kuri bimwe ; Ubujurire bwuririye ku bundi bwatanzwe na SANLAM AG Plc bufite ishingiro ; Urubanza RC00042/2018/TGI/GIC rukosorwa, ku rupapuro rwa 5 mu gika cya 7, 8 n’icya 9 ya matolewo ahanditse ingingo ya 17 hagahinduka ingingo ya 22 y’Iteka rya Perezida N˚ 31/01 ryo ku wa 25/08/2003 n’ahanditse indishyi z’akababaro hagahinduka indishyi z’imbangamirabukungu ; Mu gika cya 14 cya matolewo y’urubanza RC00042/2018/TGI/GIC, aho Urukiko rwateranyije amafaranga ibihumbi magana atandatu na cumi n’icyenda na maganacyenda n’icyenda (619.909Frw) n’amafaranga ibihumbi magana atanu (500.000Frw) rukabona amafaranga miliyoni imwe, ibihumbi ijana n’icyenda na maganacyenda n’icyenda (1.109.909Frw) kandi icyo giteranyo cyaragombaga kuba amafaranga miliyoni imwe, ibihumbi ijana na cumi n’icyenda na maganacyenda n’icyenda (1.119.909Frw) kikaba ari cyo cyemejwe ko ari cyo kigomba kwandikwa muri urwo rubanza; Abajuriye bagabana indishyi z’imbangamirabukungu zingana n’amafaranga miliyoni imwe n’ibihumbi mirongo inani (1.080.000Frw) nk’uko byasobanuwe haruguru ; Mu byatanzwe bigomba gusubizwa abarega havanwamo amafaranga ibihumbi magana atatu (300.000 Frw) yiswe ayo gushyingura no kwera kuko nta bimenyetso biyashyigikiye ; Ibitavuzwe muri urwo rubanza, hagumaho ibyategetswe mu rubanza RC00042/2018/TGI/GIC; Amagarama y’urubanza ahera mu Isanduku ya Leta.

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[8] Mukandayambaje Charlotte, Mukandayisenga Claudine, Nzamwitakuze Delphine na Uwamahoro Jeanne basabye ko urubanza RCA00373/2019/HC/KIG rwaciwe n’Urukiko Rukuru ku wa 16/07/2020 rusubirishwamo ku mpamvu z’akarengane, maze mu cyemezo n˚ 214/CJ/2022 cyo ku wa 06/10/2022, Perezida w’Urukiko rw’Ikirenga yemeza ko rusubirwamo ku mpamvu z’akarengane, rukazaburanishwa n’Urukiko rw’Ubujurire. Urwo rubanza rwahawe RS/INJUST/RC 00021/2022/CA, nyuma y’imihango ntegurarubanza, hemezwa ko ruzaburanishwa ku wa 06/11/2023, uwo munsi ruburanishwa mu ruhame, abarega bahagarariwe na Me Harelimana Hilaire, SANLAM AG Plc ihagarariwe na Me Nkeza Sempundu Clément, urubanza rurapfundikirwa ababuranyi bamenyeshwa ko ruzasomwa ku wa 24/11/2023, uwo munsi ntirwasomwa kubera ko iyandikwa ryarwo ryari ritararangira, ryimurirwa ku wa 30/11/2023. [9] Mu myanzuro yabo no mu miburanire, uhagarariye Mukandayambaje Charlotte, Mukandayisenga Claudine, Nzamwitakuze Delphine na Uwamahoro Jeanne banenga kuba baragenewe indishyi mbangamirabukungu hashingiwe ku kuba nta kazi kazwi nyakwigendera Kalilima Emmanuel yakoraga, nyamara yari afite umwuga uzwi w’ubuhinzi. Basoza basaba ko SANLAM AG Plc yabishyura amafaranga y’ikurikiranarubanza n’igihembo cya Avoka. [10] Uhagarariye SANLAM AG Plc yiregura avuga ko nta kimenyetso abarega batanga kigaragaza ko Kalilima Emmanuel yakoraga imirimo y’ubuhinzi kinyamwuga, ngo bagaragaze niba yarasoraga kandi agasagurira amasoko, ko rero nta kwibeshya kwabayeho mu kugenerwa izo ndishyi. Ku kibazo cyo kuba abarega bavuga ko habaye kubara indishyi mu buryo butuzuye kuko formule yakoreshejwe kuyikuba na 2/3 byibagiranye, ivuga ko abarega bashaka guhindura impamvu y’akarengane batanze mbere. Ku byerekeye amafaranga y’ibigenda ku rubanza abarega basaba guhabwa, avuga ko nta shingiro afite, ko kuba ari bo bishora mu manza zitari ngombwa, bakwiye kwirengera ikiguzi cyazo. Asoza asaba uru Rukiko gutegeka abarega guha SANLAM AG Plc amafaranga y’ikurikiranarubanza n’igihembo cya Avoka. [11] Nyuma y’izo mpaka, Urukiko rusanga rugomba gusuzuma ibibazo bikurikira : Kumenya niba mu kugena indishyi mbangamirabukungu, hari ibimenyetso Urukiko Rukuru rwirengagije ; Kumenya niba amafaranga y’ikurikiranarubanza n’igihembo cya Avoka ababuranyi basaba afite ishingiro II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA 1.Kumenya niba mu kugena indishyi mbangamirabukungu, hari ibimenyetso Urukiko Rukuru rwirengagije [12] Uhagarariye Mukandayambaje Charlotte, Mukandayisenga Claudine Nzamwitakuze Delphine na Uwamahoro Jeanne avuga ko akarengane abo ahagarariye bagiriwe mu rubanza rusubirwamo gashingiye ku kuba Urukiko Rukuru rwarabageneye indishyi mbangamirabukungu ruvuga ko nyakwigendera Kalilima Emmanuel yapfuye nta mwuga uzwi yakoraga, nyamara icyemezo kiranga umwirondoro we kigaragaza ko yari afite umwuga w’ubuhinzi kandi ko ubuhinzi yakoraga ari bwo bwonyine yifashishaga mu kwibeshaho no gutunga umugore n’abana be, bakaba basanga gufata ko nta mwuga uzwi yakoraga, ari ugusuzugura umurimo yakoraga, hashakwa kugaragaza ko nta cyo uvuze nyamara wari ubatunze. [13] Bakomeza bavuga ko kuba mu kubara izo ndishyi Urukiko Rukuru rwarakoresheje formule ya 1x 3.000 Frw x 30 x 12 = 1.080.000 Frw bihabanye n’ibiteganywa n’ingingo ya 22, igika cya 6 n’icya 7, y’Iteka rya Perezida N˚ 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kubara indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, iteganya ko iyo uwahohotewe

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yakoraga umwuga yigengaho indishyi zibarwa mu buryo bukurikira: 3.000 x 30 x 12 x 19 x 2/3=13.680.000= 5.520.982Frw : 1+ ( 7.778% x 19) 247.782, ko rero basanga indishyi mbangamirabukungu zikwiye kubarwa hashingiwe kuri ubu buryo bwa kabiri. Avuga kandi ko izo ndishyi zagombaga kubarwa hashingiwe kuri SMIG nk’uko biteganywa n’ingingo ya 4, agace ka 8, y’Itegeko N˚ 41/2001 ryo ku wa 19/09/2001 ryerekeye imyishyurire y’abangirijwe n’impanuka zitewe n’ibinyabiziga bigenzwa na moteri kandi bigenda ku butaka. [14] Uhagarariye SANLAM AG Plc yiregura avuga ko abarega batagaragaza ikimenyetso cyashingirwaho hemezwa ko nyakwigendera Kalilima Emmanuel yapfuye akora umurimo w’ubuhinzi kinyamwuga kubera ko batagaragaza ko yari yarawandikishije mu rugaga rw’abahinzi n’umusaruro yakuragamo kandi ko kuvuga ko yakoraga ubuhinzi mu rwego rwo gushaka ikimutunga we n’umuryango we, byumvikanisha ko ubwo buhinzi atabukoraga kinyamwuga (activité professionnelle). Basobanura ko kuvuga ko umuntu akora ubuhinzi kinyamwuga bisaba ko agurisha serivisi ze, agasagurira amasoko, akaba ariho akura umusaruro wo kumutunga. [15] Akomeza ashimangira ko kuba icyemezo kiranga umwirondoro wuzuye wa nyakwigendera Kalilima Emmanuel cyanditseho ko umwuga ari ubuhinzi, bitavuze ko yakoraga ubuhinzi nk’umwuga kuko iyo aba yarawukoraga atyo, bari kugaragaza ko yabaga mu ishyirahamwe ry’abahinzi bakora ubuhinzi bw’igihingwa runaka, kuba se yarabaga mu rugaga rw’abahinzi cyangwa ikindi cyangombwa gitangwa n’inzego za Leta nka RDB, MINICOM, Rwanda Revenue Authority, Rwanda Cooperative Agency, Urugaga rw’abikorera, n’ibindi kubera ko ibyo byangombwa bijya bitangwa ku yindi myuga, umwanditsi w’irangamimerere akaba atemeza umwuga umuntu akora. Basoza basaba uru Rukiko kwemeza ko kuri iyi ngingo, nta shingiro abarega bakwiye guhabwa. Uko Urukiko rubibona [16] Impaka kuri iyi ngingo zishingiye ku kumenya niba hari ibimenyetso abarega bagaragaje byemeza ko Kalilima Emmanuel yari umuhinzi wabigize umwuga, hanyuma Urukiko Rukuru rukabyirengagiza. [17] Ingingo ya 22, igika cya mbere y’Iteka rya Perezida N˚ 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri biturutse ku mpanuka zitewe n’ibinyabiziga iteganya ko “Ibangamirabukungu rikorewe abafite uburenganzira bitewe n’urupfu rw’umuntu ritangirwa indishyi hakurikijwe umusaruro uva ku murimo umuntu atahana nk’uko ugenwa n’ingingo ya 4 y’Itegeko N˚41/2001 ryo ku wa 19/09/2001 ryerekeye itangwa ry’indishyi ku bahohotewe biturutse ku mpanuka zo ku mubiri zitewe n’ibinyabiziga”. Naho ingingo ya 4, igika cya 5 y’Itegeko N˚41/2001 ryo ku wa 19/09/2001 rimaze kuvugwa igateganya ko “Abantu bakora imirimo bigengaho bagomba kwerekana inyandiko mpamo zerekana inyungu bakuye ku mwuga wabo mu gihe cy’amezi cumi n’abiri (12) yabanjirije impanuka”. [18] Ibyerekeye ibishingirwaho mu kubara indishyi mbangamirabukungu, byafashweho umurongo mu rubanza RS/INJUST/RC00047/2017/SC rwaciwe n’Urukiko rw’Ikirenga ku wa 23/09/2018, haburana Nyiraganza Ramu na SONARWA, aho Nyiraganza Ramu yavugaga ko yabariwe indishyi mbangamirabukungu nk’udafite akazi kazwi nyamara yari umucuruzi wabigize umwuga, Urukiko rw’Ikirenga rusobanura ko inyandiko yishyuriweho umusanzu, umusoro cyangwa fagitire, atari ikimenyetso kigaragaza ko umuntu akora umwuga w’ubucuruzi, maze rwemeza ko nta kosa Urukiko rubanza rwakoze mu kubarira umuburanyi indishyi mbangamirabukungu, hashingiwe ku mushahara w’umuntu udafite akazi kazwi.1

1 Urubanza RS/INJUST/RC 00047/2017/SC rwaciwe ku wa 23/09/2018, hagati ya Nyiraganza Ramu na SONARWA, igika cya 30.

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[19] Muri uru rubanza, abarega bavuga ko nyakwigendera Kalilima Emmanuel yakoraga umurimo w’ubuhinzi nk’uwabigize umwuga, ariko nta kimenyetso cy’inyandiko mpamo babasha kugaragaza cyashingirwaho hemezwa ko ari byo koko, bityo kuba Urukiko Rukuru rwarababariye indishyi mbangamirabukungu hashingiwe ku kuba uwapfuye mu mpanuka atari afite umushahara uzwi umuzanira umusaruro, rukaba nta kosa rwakoze. [20] Ku byerekeranye no kuba uhagarariye abarega avuga ko icyemezo cy’umwirondoro wuzuye cyatanzwe n’ubwanditsi bw’irangamimerere cyemeza ko Kalilima Emmanuel yakoraga umwuga w’ubuhinzi, Urukiko rurasanga kuba muri icyo cyemezo byaranditswe bityo, bitamushyira mu bahinzi bari barabigize umwuga kuko batagaragaza inyandiko mpamo baba bareretse ubwo bwanditsi bw’irangamimerere ngo abe ari yo bwahereyeho bwandika ko yari umuhinzi cyane ko icyari kigamijwe k’umwanditsi w’irangamimerere kwari ugutanga inyandiko yasabwaga (Attestation d’identité complēte), atari agamije kwemeza umwuga wa nyakwigendera Kalilima Emmanuel kuko bitari mu nshingano ze. [21] Urukiko rw’Ubujurire rurasanga kandi formule yakoreshejwe mu kubara indishyi mbangamirabukungu ari yo yagombaga gukoreshwa, kubera ko nta kimenyetso cyagaragajwe cyemeza ko Kalilima Emmanuel yari umuhinzi wabigize umwuga, cyane ko uhagarariye abarega na we yivugira ko ubuhinzi yakoraga bwari ubwo kumufasha kubona ibimutunga n’umuryango we,ibi ubwabyo bikumvikanisha ko Kalilima Emmanuel yari umuhinzi usanzwe utungwa n’umusaruro w’ibyo yejeje, ariko udashobora gusagurira amasoko cyangwa kuranguza umusaruro avana muri ubwo buhinzi. 2.Kumenya niba amafaranga y’ikurikiranarubanza n’igihembo cya Avoka ababuranyi basaba afite ishingiro [22] Uhagarariye abarega asaba Urukiko gutegeka SANLAM AG Plc kubishyura amafaranga angana n’ibihumbi magana atanu (500.000Frw) y’ikurikiranarubanza n’amafaranga miliyoni ebyiri (2.000.000Frw) y’igihembo cya Avoka. [23] Uhagarariye SANLAM AG Plc yiregura ku mafaranga basaba avuga ko nta shingiro afite kuko ari bo bakomeza gushora imanza badafitiye ibimenyetso. Asaba ahubwo ko Urukiko rubategeka gufatanya kuyishyura amafaranga angana na miliyoni imwe n’ibihumbi magana atanu (1.500.000Frw) akubiyemo amafaranga y’ikurikiranarubanza n’igihembo cya Avoka. Uko Urukiko rubibona [24] Ingingo ya 111 y’itegeko Nº 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko “Ikirego cy’amafaranga y’ikurikiranarubanza ni ikirego gishamikiye ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza. Ikirego cy’amafaranga y’ikurikiranarubanza kiburanishwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe”. [25] Urukiko rurasanga kuba SANLAM AG Plc yarashatse Avoka wo kuyiburanira no gukurikirana uru rubanza, Mukandayambaje Charlotte, Mukandayisenga Claudine, Uwamahoro Jeanne na Nzamwitakuze Delphine bagomba gufatanya kuyisubiza amafaranga yarutakajeho angana n’ibihumbi magana inani (800.000Frw) akubiyemo ay’ikurikiranarubanza n’igihembo cya Avoka kuko ayo isaba ari menshi, ni ukuvuga ko buri wese mu barega agomba gutanga amafaranga ibihumbi magana abiri (200.000Frw). III. ICYEMEZO CY’URUKIKO

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[26] Rwemeje ko ikirego cyatanzwe na Mukandayambaje Charlotte, Mukandayisenga Claudine, Uwamahoro Jeanne na Nzamwitakuze Delphine cyo gusubirishamo ku mpamvu z’akarengane urubanza RCA00373/2019/HC/KIG rwaciwe n’Urukiko Rukuru ku wa 16/07/2020, nta shingiro gifite. [27] Rutegetse Mukandayambaje Charlotte, Mukandayisenga Claudine, Uwamahoro Jeanne na Nzitabakuze Delphine gufatanya guha SANLAM AG Plc amafaranga ibihumbi magana inani (800.000Frw) akubiyemo ay’ikurikiranarubanza n’igihembo cya Avoka kuri uru rwego, buri wese agatanga amafaranga ibihumbi magana abiri (200.000Frw).