NYIRAHABIMANA v SANLAM A.G Plc

# NYIRAHABIMANA v SANLAM A.G Plc

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2024-03-08 - Case/document no.: RCA 00441/2022/HC/KIG - Collection: High Court

## Text

## Page 1

NYIRAHABIMANA v SANLAM A.G Plc [Rwanda URUKIKO RUKURU - RCA 00441/2022/HC/KIG (Hitimana, P.J.) 08 Werurwe 2024] Amategeko agenga imanza z’imbonezamubano – Indishyi zikomoka ku mpanuka – Indishyi mbangamira bukungu – Ibishingirwaho ngo indishyi zihabwe ababyeyi b’uwazize impanuka - Icyemezo cy’ubuyobozi bw’inzego z’ibanze ubwacyo ntabwo gishingirwaho ngo gifatwe nkaho uwazize impanuka asanzwe ariwe utunze ababyeyi be, ahubwo usaba izo ndishyi agaragaza impamvu idasanzwe yatumaga uwazize impanuka amwitaho, nk’inyandiko zo kwa muganga zerekana ko hari ubumuga afite, uburwayi cyangwa ikindi kibazo kidasanzwe cyatuma atibeshaho. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yakozwe n’ikinyabiziga cyari gipakiye imashini ariko iyo mashini ikaza kugonga ikindi kinyabiziga cyari gitwawe na Rekeraho akaza no kuhasiga ubuzima. Kubera ko ikinyabiziga cyateje ibyago cyari gifite ubwishingizi bwa SANLAM A.G Plc (Sanlam), abaregera indishyi barimo ababyeyi n’abavandimwe ba Rekeraho batanze ikirego mu Rukiko Rwisumbuye rwa Nyarugenge basaba guhabwa indishyi zitandukanye. Urwo rukiko rwabageneye indishyi harimo n’indishyi mbangamirabukungu ariko Nyirahabimana, umubyeyi wa nyakwigendera Rekeraho, ntiyishimiye uburyo indishyi mbangamirabukungu yagenewe zabazwe atanga ubujurire mu Rukiko Rukuru. Urwo rukiko rwasuzumye ikibazo cyo kumenya niba mu kugena indishyi mbangamirabukungu urukiko rwisumbuye rwarazibaze mu buryo bunyuranye n’amategeko. Urega avuga ko Urukiko rwisumbuye rwamubariye indishyi hagendewe ku mushahara muto ntarengwa kandi nyakwigendera yari afite akazi kazwi kuko yari umushoferi w’ikamyo winjizaga amafaranga ibihumbi mirongo itatu ku munsi bityo akaba asaba ko yabarirwa izo ndishyi hagendewe kubyo Rekeraho yinjizaga ku munsi. Sanlam yo ivuga ko indishyi mbangamirabukungu zahawe Nyirahabimana zitari zikwiye kuko zatanzwe nta hashingiwe gusa ku cyemezo cy’inzego z’ibanze kigaragaza ko nyakwigedera yari atunze ababyeyi be barimo n’urega kandi nta kindi kibazo afite cy’ubumuga cyangwa uburwayi ku buryo adashobora kwitunga bityo indishyi yagenewe n’Urukiko Rwisumbuye zikaba zakurwaho. Incamake y’icyemezo: Icyemezo cy’ubuyobozi bw’inzego z’ibanze ubwacyo ntabwo gishingirwaho ngo gifatwe nkaho uwazize impanuka asanzwe ariwe utunze ababyeyi be, ahubwo usaba izo ndishyi agaragaza impamvu idasanzwe yatumaga uwazize impanuka amwitaho, nk’inyandiko zo kwa muganga zerekana ko hari ubumuga afite, uburwayi cyangwa ikindi kibazo kidasanzwe cyatuma atibeshaho bityo ibivugwa na Nyirahabimana bikaba nta shingiro bifite kuko atabasha kugaragaza ikindi kimenyetso kigaragaza impamvu yatungwaga na Rekeraho. Ubujurire nta shingiro bufite. Amategeko yashingiweho: Iteka rya Perezida N° 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 22. Imanza zifashishijwe:

## Page 2

RS/INJUST/RC 00021/2022/SC, Mukagatare n’abandi na SANLAM A.G Plc, rwaciwe n’Urukiko rw’Ikirenga ku wa 17/03/2023. Urubanza I. IMITERERE Y’URUBANZA [1] Uru rubanza rwatangiriye mu Rukiko Rwisumbuye rwa Nyarugenge, ababyeyi n’abavandimwe ba Rekeraho Jean Marie bose bareze SANLAM AG Plc, bavuga ko ku wa 24/12/2019, mu Mudugudu wa Gahembe, Akagali ka Maranyundo, Umurenge wa Nyamata, Akarere ka Bugesera, habereye impanuka ya Camion Mercedes Benz RAC 474 Y & RL 1216, yari itwawe na Barinda Habimana, wari upakiye imashini, akaba yarvaga Mayange yerekeza i Kigali, igonga TOYOTA Dyna RAC 479 G yari itwawe na Rekeraho Jean Marie wavaga Nyamata yerekeza ku Gahembe, ahita apfa, hanangirika imodoka TOYOTA Dyna RAC 479 G n’isima yari ipakiye, ko inyandiko-mvugo y’impanuka ikaba igaragaza ko impanuka yatewe no gupakira nabi kwa Barinda Habimana, ko yapakiye imashini ikarenga ubugari bw’igisate cy’umuhanda yagendagamo, ko atubahirije ibiteganywa n’Iteka rya Perezida rishyiraho amabwiriza rusange agenga imihanda n’uburyo bwo kuyigendamo; [2] Rekeraho Bonaventure umubyeyi wa nyakwigendera n’abandi bavuzwe haruguru, bavuga ko nyuma y’iyo mpanuka bagerageje gusaba SANLAM AG Plc indishyi mu bwumvikane ariko birananirana, batanga ikirego basaba Urukiko ko rwategeka Sanlam guha ababyeyi ba nyakwigendera indishyi mbangamirabukungu zingana na 324.000.000 Frw, kubera ko Rekeraho ariwe wari ubatunze kandi ko yinjizaga 30.000Frw ku munsi, bagahabwa n’indishyi z’ibangamiramuco zingana na 810.000 Frw kuri buri wese, naho Abavandimwe ba nyakwigendera aribo Umutoni Sandrine, Ingabire Josephine, Uwizeyimana Jean Claude, Uwamariya Clarisse, Iradukunda Jean Baptiste na Umutesi Claudine bagasaba ko bahabwa indishyi z’ibangamiramuco zingana na 540.000 Frw kuri buri iwese, ababyeyi kandi bagasaba guhabwa amafaranga bakoresheje mu gushyingura no gushaka ibindi byangombwa byose bihwanye na 1.289.200 Frw y’ikurikiranarubanza n’igihembo cya Avoka; [3] SANLAM AG Plc ivuga ko indishyi mbangamirabukungu zisabwa n’abarega zidakwiye gutangwa kuko bigaragara ko abasaba kuzihabwa batari babikeneye kuko atari abakene, bakaba batari no mu myaka y’izabukuru, ko nyakwigendera atariwe wari ubatunze, ko n’ibyemezo by’ubuyobozi babigaragarisha bidakwiye guhabwa agaciro kuko bitavuga ukuri, ko indishyi z’ibangamiramuco zo bazihabwa hakurikijwe uko amategeko abiteganya, ariko Ingabire Josephine we ntazihabwe kuko atagaragaza amasano nyakuri afitanye na nyakwigendera, ko kandi hatangwa igihembo cya Avoka gusa kuko ari nawe wakurikiranye urubanza, isaba ko nayo yahabwa 80.000 Frw yo gushorwa mu manza ku maherere na 500.000 Frw y’igihembo cya Avoka. [4] Mu ica ry’urwo rubanza Urukiko Rwisumbuye Rwategetse SANLAM AG Plc kwishyura ababyeyi ba nyakwigendera Rekeraho Jean Marie Vianney aribo Rekeraho Bonaventure na Nyirahabimana Laetitia indishyi mbangamirabukungu zingana na 1.080.000 Frw, indishyi z’ibangamira ry’umubano zingana na 1.620.000 Frw kuri bombi, rutegeka SANLAM AG Plc kwishyura Umutoni Sandrine, Ingabire Josephine, Uwizeyimana Jean Claude, Uwamariya Clarisse, Iradukunda Jean Baptiste na Umutesi Claudine, abavandimwe ba nyakwigendera,

## Page 3

indishyi z’ibangamira ry’umubano zingana na 540.000 Frw kuri buri wese, kwishyura abarega amafaranga y’ibyo bakoresheje mu rupfu rwa nyakwigendera Rekeraho Jean Marie Vianney, ahwanye na 370.000 Frw, kwishyura Rekeraho Bonaventure 500.000 Frw y’igihembo cya Avoka, no kwishyura Ingabire Josephine n’abandi barega 500.000 Frw y’igihembo cya Avoka na 100.000 Frw y’ikurikiranarubanza naho amafaranga y’ingwate y’amagarama angana na 20.000 Frw yatanzwe n’abarega ahwanye n’ibyakozwe mu rubanza, bakaba bagomba kuyasubizwa na Sanalam AG Plc; [5] Nyirahabimana Laetitia wenyine mu baregaga niwe utarishimiye imikirize y’uru rubanza, arajurira avuga ko urukiko rwavuze ko indishyi mbangamirabukungu zigomba kubarwa hashingiwe ku mushahara muto ntarengwa (SMIG) wa 3000 Frw ku munsi, rushingira ku ngingo ya 4 y’itegeko Nº 41 ryo ku wa 19/09/2001, ivuga ko abikorera ku giti cyabo bagomba kwerekana ibimenyetso byerekana umubare w’amafaranga binjiza mu mezi 12 abanziriza impanuka, Nyirahabimana Laetitia akaba avuga ko urukiko rutasomye iyo ngingo yose ya 4 ngo ruyirangize kuko igika cya 5 cy’iyo ngingo ya 4, ari nacyo gikurikirana n’icyo urukiko rwagendeyeho, giteganya ko iyo ibyo bitabashije kugaragazwa, nyamara bigaragara neza ko nyakwigendera yari afite umurimo akora, icyo gihe umusaruro nyakwigendera yabonaga ushakirwa mu musaruro ubonwa n’ukora akazi kamwe nk’ako nyakwigendera yakoraga, agasaba ko urukiko rukuru rwasuzuma iyo ngingo neza rukagena izo ndishyi mbangamirabukungu kuko izatanzwe zidakurikije amategeko; [6] Sanlam A.G Plc yiregura kuri izo mpamvu z’ubujurire ivuga ko zitahabwa ishingiro kubera ko nubwo Sanlam itajuriye ariko kandi nayo ko yasanze izo ndishyi zagenwe nta shingiro ahubwo ko kuba urega akomeje kubashora mu manza kandi baramwinginze ngo bamwishyure indishyi zategetswe akanga ko basaba urukiko rukuru gushingira ku manza RS/INJUST/RC 00018/2022/SC na RS/INJUST/RC 00021/2022/SC zaciwe n’urukiko rw’Ikirenga rukemeza ko n’izagenwe zivuyeho; [7] Uru rubanza rwahawe igihe cy’inama ntegurarubanza yabaye kuwa 12/07/2023 irangiye ababuranyi bahabwa itariki y’iburanisha yo kuwa 18/01/2024 ariko igeze hitabye ababuranyi umucamanza abanza kugerageza kunga ababuranyi kuriyo tariki ubwumvikane burananirana, iburanishwa ry’urubanza rishyirwa kuwa 13/02/2024 ariko ruhabwa undi mucamanza, iyo tariki igeze uwajuriye avuga ko ataburana kubera ko avocat yashatse atabonetse, urukiko rwasanze iyo mpamvu yisubika nta shingiro ifite rwemeza ko ruburanishwa uwajuriye wanze kuburana adahari rugashingira ku myanzuro ndetse n’ibyavugiwe mu nama ntegurarubanza. II. IBIBAZO BIGARAGARA MU RUBANZA N’ISESENGURA RYABYO. a. Ibibazo bigaragara mu rubanza [8] Muri uru rubanza harasuzumwa ibibazo byo kumenya niba urukiko rwisumbuye rwaragennye indishyi mbangamirabukungu mu buryo bunyuranye n’amategeko, kumenya niba hari izindi ndishyi zagenwa muri uru rubanza.

## Page 4

b. Isesengura ry’ibibazo bigize urubanza. Ku birebana no kumenya niba mu kugena indishyi mbangamirabukungu urukiko rwisumbuye rwarazibaze mu buryo bunyuranye n’amategeko [9] Mu mwanzuro wa Nyirahabimana Laetitia akaba nyina wa nyakwigendera Rekeraho Jean Marie Vianney wazize impanuka, avuga ko mu gika cya 10 cy’urubanza rujuririrwa, urukiko rwavuze ko indishyi mbangamirabukungu zigomba kubarwa hashingiwe ku mushahara muto ntarengwa (SMIG) wa 3000 Frw, ibyo urukiko rubishingira ku ngingo ya 4 y’itegeko Nº 41/2001 ryo ku wa 19/09/2001, ivuga ko abikorera ku giti cyabo bagomba kwerekana ibimenyetso byerekana umubare w’amafaranga binjiza mu mezi 12 abanziriza impanuka, ko Nyirahabimana Laetitia anenga icyo cyemezo kuko bigaragara ko urukiko rutasomye iyo ngingo yose ya 4 ngo ruyirangize, ko igika cya 5 cy’iyo ngingo ya 4, ari nacyo gikurikirana n’icyo urukiko rwagendeyeho, giteganya ko iyo ibyo bitabashije kugaragazwa, nyamara bigaragara neza ko nyakwigendera yari afite umurimo akora, icyo gihe umusaruro nyakwigendera yabonaga ushakirwa mu musaruro ubonwa n’ukora akazi kamwe nk’ako nyakwigendera yakoraga, ko icyo gika akaba aricyo cyatumye ababyeyi ba nyakwigendera bagereranya amafaranga yinjizwa n’umushoferi utwara ikamyo ye, hariya i Bugesera, aho basanze yinjiza 30.000 Frw ku munsi, ko ntacyari gutuma rero urukiko rubanza rwirengagiza icyo gika cyane cyane ko nta mpaka zihari ko nyakwigendera yatwaraga iyo modoka yatwaraga imizigo, ko kandi yari iye, ko hagendewe kuri ibyo bisobanuro, bakaba basanga ababyeyi ba Nyakwigendera baragombaga kugenerwa indishyi mbangamirabukungu zibazwe mu buryo bukurikira: 30.000×30×12×45ans×2/3 = 69.722.401 Frw: 1+(8,105%×45ans); [10] Me Mukanzigiye Donatille uburanira SANLAM AG Plc yiregura kuri iyi mpamvu y’ubujurire avuga ko ku bijyanye n’iyi ngingo ijuririrwa y’indishyi z’ibangamirabukungu zahawe ababyeyi ba nyakwigendera bavuga ko ngo zabazwe mu buryo butemewe n’amategeko kuko umucamanza yagombaga ngo kuzibarira kuri 30.000 Frw, SANLAM AG Plc irasanga nta shingiro bifite kubera ko umucamanza yasobanuye neza impamvu adakwiye kuba ariyo zibarirwaho mu gika cya 9 cy’urubanza rujuririrwa, kandi ibyo yakoze bikaba bihuje n’ibiteganwa n’itegeko, ko ahubwo kuba urega uyu munsi SANLAM AG Plc yaramwinginze ngo imwishyure indishyi bagenewe mu rwego rwo kwirinda gukomeza gukururana mu nkiko n’ubwo yabonaga ko n’izatanzwe zitari zikwiye kuko ntaho zari zishingiye nk’uko yabigaragazaga mu mwanzuro, mu iburanisha ndetse n’amategeko n’ibimenyetso yatangaga ariko bikaba iby’ubusa, yarangiza akanga akayishora mu nkiko, barasanga bashingiye ku manza RS/INJUST/RC 00018/2022/SC na RS/INJUST/RC 00021/2022/SC zaciwe n’urukiko rw’ikirenga, rutanga umurongo ku bijyanye n’indishyi z’ibangamirabukungu bikaba bihuje na kamere y’uru rujuririrwa, n’izo bahawe basanga ntazo bakwiye, bityo Urukiko Rukuru rwajuririwe ruzemeze ko n’izatanzwe zivanyweho rushingiye kuri izi jurisprudances z’urukiko rwikirenga zimaze kuvugwa, kandi runamutegeke kubitangira indishyi nk’uko biri busobanurwe mu bujurire bwurirye ku bundi. Uko uru rukiko rubibona [11] Ku bijyanye n’iki kibazo cyo kuba urukiko rwisumbuye rwarirengagije igika cya 5 cy’ingingo ya 4 y’itegeko Nº 41 ryo ku wa 19/09/2001, Uru rukiko rusuzumye ibiteganywa n’icyo gika cy’ingingo yashingiweho n’urukiko rwisumbuye, rusanga rwarabivuze mu gika cya 9 cy’urubanza rujuririrwa ariko rushingira ku gika cya 4 gusa kivuga ko “Abantu bakora imirimo

## Page 5

bigengaho bagomba kwerekana inyandiko mpamo zerekana inyungu bakuye mu mwuga wabo mu gihe cy’amezi 12 yabanjiriza impanuka, mu gihe umuntu agize iyo mpanuka ataramara amezi 12 akora, inyungu ibarwa hakurikijwe iyo yari kuzabona nyuma y’ayo mezi 12 »; [12] Uru rukiko rusanga iki gika cyashingiweho n’urukiko rwisumbuye aricyo cya 4 cy’ingingo yavuzwe ariko Nyirahabimana Laetitia we avuga ko igika cya 5 cy’iyo ngingo aricyo cyagombaga gushingirwaho aho icyo gika kivuga ko “Zitabonetse ariko umwuga uwangirijwe akora ukaba uzwi Nezam indishyi zigenwa hakoreshejwe kugereranya n’umushahara uvanze w’umuntu ukora umwuga bemeze kimwe cyangwa ujya kumera kimwe n’uwo akora”; [13] Uru rukiko rusanga nubwo urukiko rwisumbuye rwashingiye ku biteganywa n’ingingo ya 4 y'Itegeko N°41 ryo ku wa 19/09/2001 ryerekeye itangwa ry'indishyi ku bahohotewe biturutse ku mpanuka zo ku mubiri zitewe n'ibinyabiziga, rusanga bitari na ngombwa kubera ko abaregeraga indishyi batagaragaje niba Rekeraho wazize impanuka yarakoraga uwuhe murimo ngo bawugaragarize ibimenyetso bifatika byemewe n’amategeko ahubwo kuba nta bimenyetso by’inyandiko mpamo bagaragaje, uru rukiko rusanga mu ica ry’urubanza rujuririrwa rwaragombaga gushingira ku biteganywa n’ingingo ya 22 y’Iteka rya Perezida N° 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga cyane mu gika cyayo cya 1, 2 n’icya 4 bivuga 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. Abafite uburenganzira ku buryo byumvikana ko bari batunzwe n'uwahohotewe ni bo bonyine bashobora guhabwa indishyi. Amafaranga ahabwa abafite uburenganzira bose hamwe ntagomba kurenga 2/3 by'umusaruro wavuzwe ukomoka ku murimo umuntu atahana, 1/3 gisigaye kigafatwa nk'amafaranga yo kwita ku wahohotewe ubwe. Iyo uwahohotewe nta murimo n'umwe ushingiye ku mwuga yakoraga, cyangwa se yakoraga gusa imirimo yo mu rugo, cyangwa iyo abafite uburenganzira be badashobora kumenya neza umusaruro we nyakuri ukomoka ku murimo, itangwa ry'indishyi rizakorwa bahereye ku misaruro zitagaragara ikurikira: • kuva ku myaka 0 kugeza kuri 16: ntacyo, • hejuru y'imyaka 16: 1 x umushahara w'umwaka muto ntarengwa wemewe n'amategeko. Amafaranga atangwa kubera itakazwa ry'agaciro k'umukozi wo mu rugo ntashobora gutangwa hamwe n ' amafaranga abarwa bahereye ku musaruro ukomoka ku murimo”; [14] Uru rukiko rusanga ibivugwa na Sanlam ko nubwo urukiko rwagarukiye ku mushahara w’umwaka muto ntarengwa gusa hadashyizweho ibikubiye mu gika kivuga kiti: “Umusaruro w'umwaka umuntu atahana w'uwahohotewe X umubare w'imyaka ashigaje kubaho akora X 2/3:1 + (igipimo cy'ibitsa X umubare w'imyaka yo kwibeshaho)”, nyamara mu gusoza iyo ngingo bigaragara ko umushingamategeko yasobanuye neza ko mu ndishyi zose zatangwa ko zidakwiye kurenga inshuro ijana y’umushaha w’umwaka muto ntarengwa, ko igisuzumwa ahubwo muri uru rubanza urukiko rwagombaga gusuzuma niba abasaba izo ndishyi bari batunzwe koko na nyakwigendera;

## Page 6

[15] Mu gusubiza iki kibazo uru rukiko rurifashisha umurongo watanzwe n’urukiko rwikirenga mu rubanza RS/INJUST/RC 00021/2022/SC1, rusanga mu gika cya 32 urukiko rw’ikirenga rwaravuze ko kugira ngo usaba indishyi z’ibangamirabukungu hashingiwe ku ngingo ya 22 y’Iteka rya Perezida Nº 31/01 ryo ku wa 25/08/2003 naryo ryavuzwe haruguru azihabwe, agomba kwerekana ko yari asanzwe atunzwe na nyakwigendera, mu gihe afite imyaka y’ubukure, akagomba kugaragaza impamvu idasanzwe yatumaga amwitaho, nk’inyandiko zo kwa muganga zerekana ko hari ubumuga afite, uburwayi cyangwa ikindi kibazo kidasanzwe cyatuma atibeshaho; [16] Ibimaze kuvugwa uru rukiko rubihuje n’uru rubanza rusanga uregera indishyi mbangamirabukungu ari Nyirahabimana Laetitia wenyine wajuriye akaba ari nyina wa nyakwigendera Rekeraho Jean Marie wazize impanuka nyamara mu bimenyetso yashyikirije uru rukiko rusanga Nyirahabimana Laetitia agaragaza icyemezo cy’inzego z’ibanze nyamara mu rubanza RS/INJUST/RC 00021/2022/SC rwemeje ko icyo cyemezo ubwacyo kidashingirwaho ngo gifatwe nkaho uwazize impanuka asanzwe ariwe utunze ababyeyi be, ahubwo nkuko byavuzwe haruguru ko usaba izo ndishyi agaragaza impamvu idasanzwe yatumaga uwazize impanuka amwitaho, nk’inyandiko zo kwa muganga zerekana ko hari ubumuga afite, uburwayi cyangwa ikindi kibazo kidasanzwe cyatuma atibeshaho, rukaba rusanga Nyirahabimana Laetitia uvuga ko Rekeraho Jean Marie Vianney ariwe warumutunze nyamara uyu Nyirahamimana Laetitia akaba yari agifite imbaraga kuko ibyemezo bye byamavuko bigaragaza ko ku munsi w’impanuka y’umwana we yarafite imyaka 56 gusa akaba nta kimenyetso cy’uburwayi agaragaza ndetse akaba adashaje cyane kuburyo umwana we w’imyaka 29 ariwe wagombaga kumutunga; [17] Ku bivugwa na Nyirahabimana Laetitia ajurira ko umwana we Rekeraho Jean Marie Vianney yari shoferi ariko kuba polisi yaranditse ko imodoka yagonzwe yari itwawe na Rekeraho Jean Marie agahita apfa ko bidasobanuye byanze bikunze ku kuba ku munsi w’impanuka yarasanzwe afite akazi kazwi kandi kamuhemba cyangwa abonamo inyungu cyangwa se umushahara yinjizaga kandi ngo urega agaragaze ko uwo mushahara ariwo watungaga ababyeyi, bityo rukaba rusanga indishyi mbangamirabukungu Nyirahabimana Laetitia aregera atazigenerwa ahubwo ko nizo yagenewe zavanwaho kuko nta kimenyetso yagaragarije uru rukiko cyagwa urukiko rwabanje cyatumaga azihabwa; [18] Ku byerekeye indishyi mbangamirabukungu zagenewe Nyirahabimana ndetse na Rekeraho Bonaventure mu rubanza rujuririrwa, rushingiye ku biteganywa n’ingingo ya 156 y’itegeko Nº 22/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, aho ivuga ko “Urukiko rwajuririwe ruburanisha gusa ubujurire mu mbibi z’icyajuririwe. Urukiko rufata icyemezo ku ngingo zatumye uwatanze ubujurire ajurira cyangwa uwabwuririyeho na we akajurira”, rusanga uwajuriye muri uru rubanza ari Nyirahabimana Laetitia wenyine ndetse no kwiregura ku bujurire byakozwe na Sanlam A.G Plc yireguye ku bujurire bwa Nyirahabimana Laetitia gusa ntacyo Sanlam A.G Plc yavuze ku ndishyi zagenewe abandi batajuriye ariko baburanye mu rubanza

1 Reba urubanza RS/INJUST/RC 00021/2022/SC rwaciwe n’urukiko rw’ikirenga kuwa 17/03/2023 aho uwitwa Mukagatare regine na bagenzi be baregaga Sanlam, aho mu gika cya 32 kugeza ku gika cya 36 urwo rukiko rwemeje Mukagatare Régine nta ndishyi z’ibangamirabukungu agomba guhabwa kuko nta kimenyetso kigaragaza ko yari asanzwe atunzwe na nyakwigendera Habyarimana Pacifique, bityo ikirego cye gisaba gusubirishamo urubanza ku mpamvu z’akarengane kikaba nta shingiro gifite, urwo rubanza rugaragara ku rubuga rwa https://iecms.gov.rw/rwa de/session/3/modules/cases/court/courtCaseForm.xhtml?MasterID=7&Hierarchy=A1_CourtCase&iLanguageID=3 &SubModuleID=1&projectid=604353&isEditMode=null&idmToken=be76e3f4-92d1-4128-afec- ab2da824e2d6&token=89B9382FE0DF364AE202B5BB85009D0B;

## Page 7

rujuririrwa, bityo igikwiye guhinduka mu byajuririwe rusanga ari indishyi zagenewe Nyirahabimana Laetitia nka nyina wa Rekeraho wazize impanuka, kubera ko bari bazigenewe nk’ababyeyi babiri (ise na nyina) rusanga havanwaho igice cy’ahwanye na 540.000 Frw cyagenewe Nyirahabimana Laetitia, kubera ko rusanga Rekeraho Bonaventure we yaranyuzwe n’imikirize y’urubanza ndetse na Sanlam ikaba ntacyo yavuze kurizo ndishyi kuriwe ariyo mpamvu rusanga ibyahinduka ari mu mbibi z’ibyajuririwe kandi ku wajuriye gusa, abandi bose bakaba nta gihindutse; Gusuzuma niba hari ndishyi zikurikirana rubanza n’igihembo cya avocat zagenwa muri uru rubanza. [19] Mu mwanzuro wa Nyirahabimana Laetitia wajuriye avuga ko asaba urukiko gutegeka SANLAM AG Plc ko yatanga amafaranga yakoresheje akurikirana uru rubanza harimo n’ay’avocat yitabaje muri uru rwego, yose hamwe agera kuri 1.000.000 Frw; [20] Me Mukanzigiye uhagarariye SANLAM AG Plc yiregura kurizi ndishyi avuga ko nta shingiro zahabwa ko ahubwo kuba urega akomeje gushora SANLAM AG Plc mu manza z’amaherere, barasaba Urukiko Rukuru kumutegeka kuyiha 500.000 Frw y’indishyi na 1.000.000 Frw y’ikurikiranarubanza n’igihembo cy’avoka. Uko uru rukiko rubibona. [21] Ku byerekeye indishyi zisabwa na Nyirahabimana Laetitia wajuriye wenyine ariko ubujurire bwe nta shingiro bwahawe, akaba nta ndishyi akwiye kugenerwa dore ko anasaba n’igihembo cya avocat ariko mu gihe cyo kuburana akaba nta avocat waburanye urwo rubanza ndetse nawe akaba yaranze kuburana kandi yarahawe igihe cyo kumushaka nk’uwari wajuriye; [22] Naho ku ndishyi zisabwa na Sanlam rusanga nubwo Nyirahabimana Laetitia atsindwa ubujurire ku bimureba ariko kandi akaba ataruko yatsinzwe urubanza rwabanje dore ko yari yarutsinze ndetse hakaba hari n’indishyi yagenewe kandi zirenga izari zabazwe na Sanlam mu gihe cyo kugerageza ubwumvikane, icyiyongera kuricyo rusanga nubwo atagenewe indishyi zibangamirabukungu kubera umwana we wazize impanuka ariko ntabwo bivanaho ko yatakaje umwana we, kugerekaho ko yacibwa indishyi n’igihembo cya avocat gisabwa na Sanlam ari nayo yabaye nyirabayazana w’imanza kuko itemeye ubwumvikane mbere ibagenera indishyi nkeya, ko rusanga indishyi isaba itazigenerwa muri uru rubanza kubera izi mpamvu zimaze gusobanurwa; III. ICYEMEZO CY’URUKIKO [23] Rwemeje ko ubujurire bwatanzwe na Nyirahabimana Laetitia arega Sanlam A.G Plc nta shingiro bufite. [24] Rwemeje ko imikirize y’urubanza RC 00279/2021/TGI/Nyge rwaciwe n’urukiko rwisumbuye rwa Nyarugenge kuwa 29/09/2029 ihindutse ku byerekeye indishyi mbangamirabukungu zagenewe Nyirahabimana Laetitia gusa ariko izindi ndishyi zategetswe muri urwo rubanza zikaba zidahindutse.

## Page 8

[25] Rutegetse ko mu ndishyi zagenewe Nyirahabimana Laetitia havanwamo izihwanye na 540.000Frw izindi zose yagenwe ndetse n’izagenewe abo barihamwe zikaba zidahindutse bazishyurwa uko zategetswe. [26] Rutegetse ko ingwate y’amagarama y’urubanza yatanzwe na Nyirahabimana Laetitia ahwanye na 40,000 Frw atayasubizwa kubera ko ahwanye n’ibyakoreshejwe muri uru rubanza.