MUSABENDE v OLD MUTUAL INSURANCE

# MUSABENDE v OLD MUTUAL INSURANCE

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-02-15 - Case/document no.: RCA 00218/2022/HC/KIG - Collection: High Court

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MUSABENDE v OLD MUTUAL INSURANCE [Rwanda URUKIKO RUKURU - RCA 00218/2022/HC/KIG (Nkusi, P.J.) 15 Gashyantare 2023] Amategeko y’imanza mbonezamubano – Imanza z’impanuka – Uburyo bwo kugena indishyi ku modoka idashobora gusanwa - Imibare ijyanye n’ibaruramari (valeur comptable) igendeye ku bwicungure (amortissement) bw’imodoka hatitawe ku gaciro nyakuri k’imodoka (valeur réelle) ntiyagenderwaho hagenwa indishyi z’imodoka yangiritse ahubwo hagenderwa ku gaciro nyako kajyanye n’ibiciro biri ku isoko mu guhabwa indishyi ikwiye. Incamake y’ikibazo: Ku wa 08/05/2021, mu Karere ka Gakenke, Intara y’Amajyaruguru habereye impanuka, imodoka y’ivatiri RAB 174H igongwa n’ikamyo RAC 704 S ifite ubwishingizi muri UAP INSURANCE. Nyuma y’iyi mpanuka Musabende yegereye UAP Insurance ayisaba ko yarihwa imodoka ye yagonzwe n’ibyayangirikiyemo ntibabyumvikanaho kuko ngo UAP Insurance yamuhaga amafranga make hanyuma atanga ikirego mu Rukiko Rwisumbuye rwa Nyarugenge asaba ko rutegeka UAP Insurance kumusubiza amafranga 3.500.000 Frw y’agaciro k’imodoka ye yangirikiye muri iyo mpanuka cyangwa se akagurirwa indi nkayo, yasabaga kandi kwishyurwa amafaranga 450.000 Frw akoresha akodesha imodoka ku kwezi abazwe guhera igihe ubwumvikane bunaniraniye kugeza igihe urubanza ruzacirirwa. Urukiko rwemeje ko ikirego cya cye gifite ishingiro kuri bimwe rutegeka ko UAP igomba kumuha amafranga 3.600.000 Frw yatanzeho ubukode bw’imodoka RAD 544 E hanyuma ajurira avuga ko Urukiko rwanze kumugenera agaciro k’imodoka ye yangiritse ku buryo itasanwa. Urukiko Rukuru rwasuzumye ikibazo cyo kumenya niba imodoka yarangiritse ku buryo Musabende yagenerwa agaciro k’imodoka n’ingano y’agaciro yahabwa. Urega asaba ko yagenerwa agaciro k’imodoka ye kangana n’amafaranga 3.500.000 Frw kagaragajwe n’umugenagaciro wemewe. Uregwa avuga ko yemera ko imodoka yangirtse ku buryo itasanwa ko hakwiye gushyirwaho abagenagaciro babiri igiciro vatanga akaba aricyo cyakoreshwa. Akomeza avuga ko iyo impande zombi zitumvikana ku gaciro kicyangiritse kigomba kwishyurwa, umuti n'ugushyiraho izindi nzobere akaba arizo zitanga igisubizo kigenderwaho cyane agaciro kicyangiritse kitagomba kuruta na gato agaciro k'icyangiritse ku munsi w'icyago cy'icyangije. Incamake y’icyemezo: Imibare ijyanye n’ibaruramari (valeur comptable) igendeye ku bwicungure (amortissement) bw’imodoka hatitawe ku gaciro nyakuri k’imodoka (valeur réelle) ntiyagenderwaho hagenwa indishyi z’imodoka yangiritse ahubwo hagenderwa ku gaciro nyako kajyanye n’ibiciro biri ku isoko mu guhabwa indishyi ikwiye bityo mu rwego rwo kugira ngo Musabende abe yabasha kugura imodoka ya CARINA E yakozwe 1994, imeze nk’iye yangiritse mbere y’uko ikora impanuka Musabende yakishyurwa amafaranga 3.500.000. Ubujurire bufite ishingiro kuri bimwe; OLD MUTUAL INSURANCE RWANDA PLC igomba kwishyura Musabende amafranga miliyoni eshatu n’igice (3.500.000 Frw) y’agaciro k’imodoka ye.

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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 3, 111, 238; Itegeko N°15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, ingigo ya 2; Itegeko N°02/2002 ryo ku wa 17/01/2002 rihindura Itegeko-Teka N° 32/75 ryo ku wa 07 Kanama 1975 ryerekeye ubwishingizi butegetswe ku buryozwe butewe n’ibigenzwa ku butaka bifite moteri, ingingo ya 4. Nta manza zifashishijwe Urubanza I. IMITERERE Y’URUBANZA [1] Uru rubanza rwatangiriye mu Rukiko Rwisumbuye rwa Nyarugenge, Musabende Félix arega UAP INSURANCE ko taliki ya 08/05/2021, mu Karere ka Gakenke, Intara y’Amajyaruguru habereye impanuka, imodoka ye y’ivatiri RAB 174H ikagongwa n’ikamyo RAC 704 S yari itwawe na Nteziryayo Jean Bosco ifite ubwishingizi muri UAP INSURANCE. Nyuma y’iyi mpanuka Musabende Felix avuga ko yegereye UAP Insurance ayisaba ko yarihwa imodoka ye yagonzwe n’ibyayangirikiyemo ntibabyumvikanaho kuko ngo UAP Insurance yamugeneraga amafranga make; [2] Musabende Félix yasabaga urukiko ko rutegeka UAP Insurance kumusubiza amafranga 3.500.000 Frw y’agaciro k’imodoka ye yangirikiye muri iyo mpanuka cyangwa se akagurirwa indi nkayo, yasabaga kandi kwishyurwa amafaranga 450.000 Frw akoresha akodesha imodoka ku kwezi abazwe guhera igihe ubwumvikane bunaniraniye kugeza igihe urubanza ruzacirirwa. Musabende Félix yasabaga kandi guhabwa agaciro k’imashini ye yangirikiye muri iyo modoka ndetse n’amafranga yakoresheje ayiteruza, ay’ikurikiranarubanza n’igihembo cy’avoka n’amafranga ya parikingi aho imodoka iri kugeza ubu mu igaraje akanasaba ko habaho irangizarubanza ry’agateganyo. [3] Urubanza rwaburanishijwe UAP Insurance idahari kuko yari yaramenyeshejwe mu buryo bukurikije amategeko ntiyitaba. Nyuma y’uko urubanza rupfundikiwe uhagarariye UAP Insurance yandikiye Urukiko asaba ko habaho ipfundurwa ry’urubanza kubera ibimenyetso babonye byazafasha mu rubanza; [4] Urukiko Rwisumbuye Rwemeje ko iburanisha ridapfunduwe. Rwemeje ko ikirego cya Musabende Felix gifite ishingiro kuri bimwe. Rwategetse ko UAP mu izina ry’Umuyobozi wayo igomba guha Musabende Felix amafranga 3.600.000 Frw yatanzeho ubukode bw’imodoka RAD

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544 E n’amafranga 200.000 Frw y’ikurikiranarubanza no kumusubiza 20.000 Frw yatanzeho ingwate y’amagarama arega; [5] Musabende Felix ntiyishimiye imikirize y’ uru rubanza, arajurira avuga ko Urukiko rwisumbuye rwanze kumugenera agaciro k’imodoka kagaragajwe n’umugenagaciro wemewe, ngo kandi yarangiritse ku buryo itasanwa; Kuba Urukiko rwaranze kwishyura igihembo cya Avoka, amafaranga yo guteruza imodoka, amafaranga y’agaciro k’imashini yangirikiye mu mpanuka, indishyi zo kwishyura parking, no kuba yarasabye irangizarubanza ry’agateganyo ntibisuzumwe ngo rifatweho icyemezo. [6] Me Bagomora Charles uburanira UAP INSURANCE yireguraga ko iyo modoka yakoze impanuka ari CARINA RAB 174 H yakozwe mu mwaka wa 1994, UAP ikaba yarakoze contre- expertise igasanga agaciro k’imodoka ari amafaranga 1.100.000Frw kandi ihamwe ari uko uwagize ibyo atakaza atagomba guhabwa ibirenze ibyo yatakaje. Naho ibihembo by’avoka bakaba badakwiriye kubisubizwa kuko atari bo babyishyuye ahubwo byishyuwe na MICROFINANCE; [7] Urukiko rurasuzuma niba imodoka yarangiritse ku buryo Musabende Felix yagenerwa agaciro k’imodoka kagaragajwe n’umugenagaciro wemewe, kandi akaba yagenerwa igihembo cya Avoka, amafaranga yo guteruza imodoka, amafaranga y’agaciro k’imashini yangirikiye mu mpanuka, indishyi zo kwishyura parking, no kuba yarasabye irangizarubanza ry’agateganyo ntibisuzumwe ngo rifatweho icyemezo. II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA A. Kumenya niba imodoka yarangiritse ku buryo Musabende Felix yagenerwa agaciro k’imodoka n’ingano y’agaciro yahabwa [8] Musabende Felix yajuriye asaba ko yagenerwa agaciro k’imodoka ye kangana n’amafaranga 3.500.000 Frw kagaragajwe n’umugenagaciro wemewe wita Ir Dushimimana David. Inenge Me Nsengiyaremye Jean Claude uburanira Musabende abona ni uko Urukiko rwanze ko agaciro k’imodoka yangirikiye mu mpanuka kangana na 3.500.000frw kishyurwa cg ngo hagurwe indi imeze nk’iyangiritse ngo kuko Urukiko rutazi neza ko kuyisana ngo isubire uko yari imeze mbere y’impanuka bitashoboka. Me Nsengiyaremye Jean Claude arasaba ko iyi nenge yagombye gukosorwa kuko na UAP INSURANCE itigeze ahakana ko imodoka itakwishyurwa agaciro yari ifite, ikitumvikanwaho ni agaciro yari ifite mbere y’impanuka. Kutumvikana bikaba ngo byaratewe n’uko UAP INSURANCE yatanga agaciro gato katarenga 1.500.000frw katabasha kumugurira indi modoka imeze nk’iye; [9] Me Bagomora Charles uburanira UAP Insurance avuga ko bemera ko imodoka yabaye déclassé idashobora gusanwa ahubwo yahabwa agaciro kayo kagendeye kuri raporo ya expertise yakorwa n’inzobere ebyiri. Kubijyanye n'icyiswe inenge yo kudatanga ikiguzi cy'indi modoka mu cyimbo cy'iyangiritse, UAP irasanga nta nenge irimo kuko Urukiko rwabisobanuye neza cyane, Musabende yasabye ibidashoboka, yanze ko hakorwa igena gaciro k'inzobere zigenga ngo zerekane agaciro nyako k’imodoka yangiritse yari ifite mbere yuko ikora impanuka ahubwo agasaba kugurirwa indi modoka nkaho iyo yari atunze yari nshyashya. Iyo impande zombi zitumvikana ku gaciro kicyangiritse kigomba kwishyurwa, umuti n'ugushyiraho izindi nzobere

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akaba arizo zitanga igisubizo kigenderwaho cyane agaciro kicyangiritse kitagomba kuruta na gato agaciro k'icyangiritse ku munsi w'icyago cy'icyangije. UKO URUKIKO RUBIBONA [10] Ingingo ya 4 y’Itegeko N°02/2002 ryo ku wa 17/01/2002 rihindura Itegeko-Teka N° 32/75 ryo ku wa 07 Kanama 1975 ryerekeye ubwishingizi butegetswe ku buryozwe butewe n’ibigenzwa ku butaka bifite moteri, iteganya ko umwishingizi ariha uburyozwe bukomoka ku mpanuka ahereye ku munsi hatangiweho imenyekanisha ry’impanuka. Musabende akaba akwiriye kwishyurwa agaciro k’imodoka ye, urukiko rushingiye ku byavugiye mu iburanisha aho ababuranyi bemeranyije ko imosoka yabaye déclassé idashobora gusubira mu muhanda. [11] Urukiko rusanga ibyemejwe n’urukiko ko umwishingizi adashobora kwishyura igiciro cy’imodoka yangiritse kubera impanuka cyangwa se kugura indi kuko Musabende Felix atagaragaje ko imodoka ye isanwe itasubira uko yari imeze mbere cyangwa se ko idashobora gusanwa bitewe n’uburyo yangiritsemo bigomba kuvanwaho Musabende Felix akishyurwa agaciro k’imodoka ye uko yari imeze igihe ubwo yakoraga impanuka; [12] Ingingo ya 2 y’itegeko N°15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ko ikimenyetso cyo mu rubanza ari uburyo bukoreshwa kugira ngo ukuri kw’ibyabaye kugaragare naho iya kane ikavuga ko urukiko ruca urubanza rwaregewe hakurikijwe ibimenyetso bihuje na kamere y’ikiburanwa. Urukiko rushingiye kuri iyi ngingo rurasanga Musabende Felix agomba kwishyurwa agaciro k’imodoka hagamijwe ko amafaraga yagenerwa yamufasha kugura ku isoko indi modoka imeze nk’iyo yangijwe n’impanuka; [13] Urukiko rushingiye ko imodoka yangiritse ku buryo itasanwa, hakaba n’amagenagaciro yakozwe n’ababuranyi aho umugenagaciro watanzwe na UAP INSURANCE yahindutse OLD MUTUAL INSURANCE RWANDA PLC witwa Nyamuniga Jean yagaragaje ko agaciro k’imodoka ari amafaranga 1.100.000 Frw n’umugenagacrio watanzwe na Musabende Felix witwa Ir Dushimimana David wagaragaje ko agaciro k’imodoka ari amafaranga 3.500.000Frw rurasanga rugomba guhitamo igenagaciro rihuje n’ibiriho n’agaciro k’amamodoka ku isoko; [14] Urukiko rushingiye ku ngingo ya kane y’itegeko ry’ibimenyetso yavuzwe hejuru ko urukiko ruca urubanza rwaregewe hakurikijwe ibimenyetso bihuje na kamere y’ikiburanwa rurasanga igenagaciro ryatanzwe na Musabende Felix witwa Ir Dushimimana David wagaragaje ko agaciro k’imodoka ari amafaranga 3.500.000Frw ari ryo rigomba gushingirwaho mu kugena agaciro k’imodoka CARINA RAB 174 H yangirikiye mu mpanuka yatejwe n’imodoka yari yishingiwe na UAP INSURANCE yahindutse OLD MUTUAL INSURANCE RWANDA PLC kuko iri genagaciro uwarikoze yagendeye ku biciro by’amamodoka biri ku isoko kandi ni cyo kiba kigamijwe mu kugena indishyi z’uwangirijwe n’impanuka kugira ngo ibintu bisubire uko byari bimeze mbere y’uko impanuka iba; [15] Igenagaciro ryaratanzwe na UAP INSURANCE yahindutse OLD MUTUAL INSURANCE RWANDA PLC witwa Nyamuniga Jean yagaragaje ko agaciro k’imodoka ari amafaranga 1.100.000 Frw urukiko rurarinenga ko rititaye ku mafaranga ryageneye iyo modoka Musabende Felix atashobora kuyaguramo indi modoka imeze nk’iye yangiritse. Umugenagaciro yafashe ko kuba imodoka yarakozwe muri 1994 bivuze ko isigaranye agaciro ka gatanu ku ijana

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(5%) kayo kuko iyo ari nshya igura 22.000.000Frw. Ibi urukiko rukaba rusanga ari imibare ijyanye n’ibaruramari (valeur comptable) igendeye ku bwicungure (amortissement) bw’imodoka ataritaye ku gaciro nyakuri k’imodoka (valeur réelle) ari na ko kajyanye n’ibiciro biri ku isoko urukiko rusanga ari ko kagomba kugenderwaho mu guhabwa indishyi ikwiye. [16] Mu rwego rwo kugira ngo Musabende Felix abe yabasha kugura imodoka ya CARINA E yakozwe 1994, imeze nk’iye yangiritse mbere y’uko ikora impanuka urukiko rurasanga Musabende yakishyurwa amafaranga 3.500.000. Ibi kandi nta kwikungahaza birimo kuko aya amafaranga 3500.000 atari ayo kumugurira imodoka nshya ahubwo ari ukumugurira imodoka yakoreshejwe imeze nk’iye. Ibi birashimangirwa nuko Musabende yasabaga UAP INSURANCE kumugurira imodoka yari imeze nk’iye yangiritse bakabyanga kandi atarabasabaga imodoka nshya; akaba kandi ari ayo mafaranga 3500 000 frw yasabaga akaba agomba kuyahabwa. B. Urukiko rwasuzumye niba Musabende Felix yagenerwa, igihembo cy’avoka, amafaranga yo guteruza imodoka, amafaranga y’agaciro k’imashini yangirikiye mu mpanuka, indishyi zo kwishyura parking, [17] Musabende Felix yajuriye asaba guhabwa amafaranga y’agaciro k’imashini kuko ngo Urukiko rwanze kuyatanga rwitwaje ko ngo bigaragara ko yaguzwe na Umutanguha, akumva Urukiko rwirengagije ko iyo mashini yangirikiye mu mpanuka kandi ifitwe na Musabende Felix, kuba agaciro kayo tugasaba uwateje impanuka ni uko yishingiye iby`abandi yaryozwa, nk’uko ihame ryo kuryozwa indishyi riri, uwari ufite iyo mashini akaba ari we ibazwa nawe akayibaza uwateje impanuka, kuba yaba itari iye cg ngo abe ari we wayiguze ariko impanuka ikaba ayifite, uwateje impanuka agomba kuyishyura, nyir’imashini na Musabende Felix uko baba babanye ntibireba Urukiko. Musabende yumva nta kumukungahaza kwaba kubayeho ahubwo ari ukumusubiza ibyo yari afite mbere y’impanuka. Ibi kandi ni kimwe n’amafaranga yishyuwe hateruzwa imodoka 275,000frw, uwayishyuye yayishyuriye Musabende Felix kandi byaturutse ku mpanuka; [18] Musabende Felix yajuriye kandi avuga ko Urukiko rwanze kugena indishyi zo kwishyura parking zingana 5000frw ku munsi ngo kuko nta kigaragaza ko igiparitse mu igarage, akaba anenga imvugo zidafitiwe inkomoko cyane ko uregwa yemera ko imodoka igiparitse mu igarage kandi igarage rikaba ryishyurwa (ngo azabitangira ikimenyetso cyabyo) kandi uregwa aho yayisanze agiye kuyigenera agaciro niho ikiri. [19] UAP yireguraga ko isanga nta nenge irimo kuko Urukiko rwabisobanuye neza cyane, amafaranga yo guteruza imodoka amafaranga y'agaciro k'imashini yangirikiye mu mpanuka hamwe n'indishyi zo kwishyura parking, kimwe n’igihembo cy’avoka ibyo Urukiko rwategetse nta nenge irimo kuko rwasobanuye neza cyane rushingira no kumategeko. Me Bagomora Charles yasobanuraga ko amafaranga y’ibyo asaba Musabende atayahabwa kuko yishyuwe na UMUTANGUHA Finance; UKO URUKIKO RUBIBONA [20] Ingingo ya 3 y’itegeko No 22/2018 ryo kuwa 29/04/2018 itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ikirego cyakirwa mu rukiko iyo urega afite ububasha, inyungu n’ubushobozi byo

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kurega, keretse igihe itegeko ribiteganya ukundi. Urukiko rwasanze hari ibimenyetso birimo inyandiko zakozwe n’Umutanguha Finance taliki ya 09/09/2021 harimo isaba amafranga n’itumiza imashini HP Probook 450G 7 Laptop ku mafranga 890.000 Frw n‘inyemezabwishyu proforama yo kuwa 10/09/2021 yakozwe na Dreams Computers igurisha Umutanguha iyo mashini. Si ibyo gusa kuko inagaragaza inyemezabwishyu UMUTANGUHA Finance wishyuzwa amafranga yo guteruza imodoka angana n’ibihumbi mirongo irindwi na bitanu (75.000 Frw) na NKURUNZIZA Jean Baptiste n’iyasaba yo kuwa24/06/2021 hakaba n’inyemeza-bwishyu yatanzwe na MUTABAZI Robert y’amafranga 200.000 Frw yahaye UMUTANGUHA Finance. Hari kandi na fagitire yishyuriweho igihembo cy’avoka kingana na 750.000Frw; [21] Nk’uko mu rubanza rwajuririwe urukiko rwabibonye, mu gusuzuma ibimenyetso byatanzwe na Musabende Felix, urukiko rwasanze byerekana ko n’ubwo amafaranga yaba yaratanzwe atari Musabende Felix wayatanze ahubwo yaratanzwe na Micro Finance Umutanguha kandi Musabende akaba adafite ububasha bwo kuburana ibyishyuwe na Micro- Finance Umutanguha. No mu bisobanuro Musabende Felix atanga mu iburanisha ntasobanuro impamvu ubwishyu bwatanzwe na UMUTANGUHA Finance ari we ukwiriye kuburegera kimwe n’uko adasobanura ukuntu ibikorwa by’inyungu ze bwite nko guteruza imodoka ye, kwishyura avoka we byishyurwa n’ikigo cy’imari n’inyemezabwishyu ntikiyimwandikisheho. Urukiko rukaba rusanga abishyuriye Musabende cyangwa abangirijwe n’impanuka ari bo bakwikurikiranira ikigo cy’ubwishingizi cyishingiye ikinyabiziga cyateye impanuka (action indirecte). C. Ku bijyanye n’amafaranga yatanze ku bukode bw’imodoka yamutwaraga mu kimbo cy’imodoka ye yangirikiye mu mpanuka. [22] Urukiko rushingiye ku kuba muri dosiye igaragaza ko hari amasezerano y’ubukode bw’imodoka Voiture RAD 544 E yo kuwa 03/09/2021 yabaye hagati ya Musabende Felix na Muhimpundu Angelique ku mafaranga ibihumbi magana ane na mirongo itanu (450.000Frw) ku kwezi aho Musabende bigaragara ko yakomeje gukodesha imodoka yo kugendamo kuko iye yari yaragize impanuka, rusanga amafaranga yagenwe mu rubanza rujuririrwa agomba kwiyongeraho amafaranga y’ubukode kuko Musabende yakomeje gukodesha imodoka. [23] Ingingo ya 2 y’itegeko N°15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’ itangwa ryabyo ivuga ko ikimenyetso cyo mu rubanza ari uburyo bukoreshwa kugira ngo ukuri kw’ibyabaye kugaragare. UAP ikaba igomba kwishyura Musabende Felix amafranga angana n’ibihumbi magana ane na mirongo itanu (450.000Frw) gukuba amezi umunani (8 mois) = 3.600.000Frw yiyongereyeho kuba aho urubanza rwajuririwe ruciriwe kugeze ku munsi rwaburanishirijweho mu bujurire, aya mafaranga Musabende akaba ayagaragariza ibimenyetso bigizwe na reçus zo OLD MUTUAL INSURANCE RWANDA PLC yahoze yitwa UAP INSURANCE Rwanda Ltd itigeze ijyaho impaka na cyane ko aya amafaranga y’ubukode itigeze iyajuririra. Amafaranga yo Musabende yakodesheje imodoka akaba yose hamwe ari 3.600.000 frw yagenewe ku rwego rwa mbere hiyongereyeho ayiyongereyeho kugeze urubana mu bujurire ruburanishijwe 3.600.000 yose hamwe akaba 7.200.000Frw; D. Ku bijyanye n’indishyi z’ikurikiranarubanza n’igihembo cy’avoka

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[24] Musabende Felix n’umwunganizi we Me Nsengiyaremye Jean Claude arasaba guhabwa indishyi z’ikurikiranarubanza n’igihembo cy’avoka, akanenga kandi ko mu rubanza rujuririrwa urukiko rutamugeneye igihembo cy’avoka kuko ngo kishyuwe na UMUTANGUHA Finance kandi icyangombwa ari uko haba haratanwe ubwishyu uwaba yarabutanze wese. Akaba asaba n’igihembo cy’avoka ku rwego rw’ubujurire; [25] Me Bagomora Charles uburanira UAP Insurance avuga ko igihembo cy’avoka ntacyo Musabende akwiriye guhabwa kuko inyemezabwishyu yashyize mu rubanza igaragaza ko ubwishyu bwakozwe na UMUTANGUHA Finance kandi nta bubasha afite bwo kuregera ibyo yamwishyuriye; UKO URUKIKO RUBIBONA [26] 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. » al ya 2 yiyi ngingo ivuga ko ikirego cy’amafaranga y’ikurikiranarubanza kiburanishirizwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikanaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe. Urukiko rushingiye ko OLD MUTUAL INSURANCE RWANDA PLC yahoze yitwa UAP INSURANCE Rwanda Ltd ibyo iburanisha bidafite ishingiro bityo urukiko rukaba rusanga OLD MUTUAL INSURANCE RWANDA PLC yahoze yitwa UAP INSURANCE Rwanda Ltd, igomba kwishyura Musabende Felix, amafaranga 500.000frw y’igihembo cya avoka na 200.000frw y’ikurikiranarubanza mu bujurire yiyongera ku yagenwe mu rubana rujuririrwa 220.000 frw yose hamwe akaba 920.000frw; E. Kumenya niba habaho irangizarubanza ry’agateganyo kabone n’ubwo urubanza rwajuririrwa. [27] Musabende Felix arasaba ko urubanza rwacibwa rwarangizwa by’agateganyo kabone n’ubwo rwajuririrwa. Ku ruhande rwa OLD MUTUAL INSURANCE RWANDA PLC yahoze yitwa UAP bakavuga ko nta shingiro bifite; [28] Ingingo 238 y’itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi yemerera umuburanyi gusaba irangizarubana ry’agateganyo aho igira iti:’’ irangizarubana ry’agateganyo rishobora gutegekwa gusa, bisabwe n’umwe mu baburanyi, ku bintu byose byatsindiwe cyangwa ku gice cyabyo, iyo urukiko rusanga iryo rangiza ry’urubanza ritabaye bishobora kwangiriza ku buryo budasubirwaho umuburanyi ubisabye’’. Naho igika cya nyuma cy’iyi ngingo ikongeraho ko Urubanza rutegeka irangiza ry’agateganyo rugomba kugaragaza igihombo kidasubirwaho uwarisabye yagira aramutse atabyemerewe Urukiko rukaba rusanga nta bishobora kwangirika ku buryo budasubirwaho ku ruhande rwa Musabende Felix bityo hakaba nta rangizarubanza ry’agateganyo ritanzwe. III. ICYEMEZO CY’URUKIKO Urukiko Rukuru,

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[29] Rwemeje kwakira ubujurire bwa Musabende Felix, rubusuzumye rusanga bufite ishingiro kuri bimwe; [30] Rutegetse ko OLD MUTUAL INSURANCE RWANDA PLC yahoze yitwa UAP INSURANCE Rwanda Ltd yishyura Musabende Felix amafranga miliyoni eshatu n’igice (3.500.000 Frw) y’agaciro k’imodoka RAB 174H ye yangirikiye mu mpanuka; [31] Rutegetse ko OLD MUTUAL INSURANCE RWANDA PLC yahoze yitwa UAP INSURANCE Rwanda Ltd yishyura Musabende Felix amafranga miliyoni zirindwi n’ibihumbi magana abiri (7.200.000 Frw) yatanzeho ubukode bw’imodoka RAD 544 E; [32] Rutegetse OLD MUTUAL INSURANCE RWANDA PLC yahoze yitwa UAP INSURANCE Rwanda Ltd kwishyura Musabende Felix amafaranga ibihumbi magana icyenda na makumyabiri (920.000Frw) akubiyemo (500.000frw) y’igihembo cya avoka n’ibihumbi magana abiri (200.000frw) y’indishyi z’ikurikiranarubanza mu bujurire n’ibihumbi magana abiri na makumyabiri (220.000 Frw) y’ikurikiranarubanza n’igarama yagenewe mu rubanza rujuririrwa; [33] Rwemeje ko urubanza RC 00689/2021/TGI/NYGE rwaciwe n'Urukiko Rwisumbuye rwa Nyarugenge kuwa 27/04/2022 ruhindutse kuri bimwe; [34] Rwemeje ko nta rangizarubanza ry’agateganyo ritanzwe; [35] Rutegetse ko OLD MUTUAL INSURANCE RWANDA PLC yahoze yitwa UAP INSURANCE Rwanda Ltd yishyura Musabende Felix amafaranga ibihumbi mirongo ine (40.000Frw) y’ingwate y’amagarama yatanze ajurira.