Nyiramahoro vs Sanlam

# Nyiramahoro vs Sanlam

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2022-05-26 - Case/document no.: RCA 00010/2022/HC/MUS - Collection: High Court

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NYIRAMAHORO N’ABANDI v SANLAM AG PLC [Rwanda URUKIKO RUKURU URUGEREKO RWA MUSANZE – RCA 00010/2022/HC/MUS (Mukamuhire P.J.) 26 Gicurasi 2022] Itegeko rigena uburyo bwo kwishyura indishyi ku bubabare bw’umubiri biturutse ku mpanuka zitewe n’ibinyabiziga – ubwumvikane – Kuba umuntu atanyuze mu nzira z’ubwumvikane mu gusaba indishyi umwishingizi ariko hari abandi bahuje nawe ikibazo bayinyuzemo ntibigire icyo bitanga, ntabwo ari inenge yatuma ikirego cye kitakirwa ngo gisuzumwe. Incamake y’ikibazo: Uru rubanza rwatangiye Nyiramahoro umugore w’uwitwa Seburiri wahitanywe n’impanuka afatanyije n’abana be, umubyeyi ndetse n’abavandimwe be, barega SANLAM AG PLC mu Rukiko Rwisumbuye rwa rubavu basaba indishyi zitandukanye zikomoka ku rupfu rw’umuntu wabo wahitanywe n’iyo mpanuka, bakagerageza kumvikana nayo bikananira.Urukiko Rwisumbuye rwemeje ko ikirego cya Nyiramahoro na bagenzi be gifite ishingiro kuri bimwe, rutegeka Sanlam Insurance Company Ltd kwishyura indishyi zagenwe mu bushishozi bw’Urukiko. Uwamahoro na bagenzi be ntibishimiye imikirize y’urubanza, barujuririra mu rukiko rukuru, urugereko rwa Musanze bavuga ko Urukiko Rwisumbuye rwageneye Nyiramahoro indishyi z’ibangamirabukungu zibazwe mu buryo butubahirije amategeko, basaba ko zabarwa hashingiwe ku biteganywa n’ingingo ya 22 y’Iteka rya Perezida Perezida N°31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri biturutse ku mpanuka zitewe n’ibinyabiziga; bavuze kandi ko Urukiko Rwisumbuye rwemeje ko ikirego cya Nsengiyumva na Niyonzima , abavandimwe ba nyakwigendera, kitakiriwe kandi nabo bari bafite uburenganzira ku ndishyi z’akababaro. Abahagarariye Sanlam Insurance Company Ltd basobanuye ko impamvu z’ubujurire za Nyiramahoro na bagenzi be zidakwiye guhabwa ishingiro kuko Urukiko rwabaze neza indishyi z’ibangamirabukungu, cyane ko nyakwigendera Seburiri nta kazi kazwi yakoraga, Naho ku byerekeye Nsengiyumva na Niyonzima, abavandimwe ba nyakwigendera, bavuga ko, nta ndishyi bakwiye kugenerwa kuko batubahirije inzira y’ubwumvikane kandi iteganywa n’Itegeko. Bityo n’Ubujurire bwabo ngo bukaba budakwiriye kwakirwa ngo busuzumwe kuko no ku rwego rwa mbere ikirego cyabo kitasuzumwe. Urukiko rwemeje ko indishyi z’ibangamirabukungu zabazwe nabi mu Rukiko Rwisumbuye kuko zigomba gutangwa hashingiwe k’unshuro imwe y’umushahara fatizo muto w’umwaka ntarengwa wemewe n’amategeko. Rwemeje ko, iyo uwitabye Imana atakoraga akazi ahemberwa, abahohotewe bagomba guhabwa indishyi zibazwe hashingiwe ku nshuro imwe y’umushahara muto ntarengwa (SMIG), hagakurikizwa formule iteganywa n’itegeko nk’uko igaragara muri iriya ngingo ya 22 y’Iteka rya Perezida. Urukiko rwemeje kandi ko kuba Nsengiyumva na Niyonzima, bari bafite ibirego bimwe n’abandi bavandimwe batatu ba nyakwigendera Seburiri banyuze mu nzira y’ubwumvikane ariko SANLAM ntibakemurire ikibazo mu bwumvikane, ntibyafatwa nk’inenge ikomeye yatuma ikirego cyabo

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gisaba indishyi kitakirwa mu rukiko kuko ngo abahagarariye SANLAM batabashishe kwerekana umwihariko bari bafite wari gutuma ikibazo cyabo gikemukira mu bwumvikane bitageze mu rukiko mu gihe bagenzi babo, basabaga bimwe, banyuze muri iriya nzira, ntacyo byabafashije. Incamake y’icyemezo: Kuba umuntu atanyuze mu nzira z’ubwumvikane mu gusaba indishyi umwishingizi ariko hari abandi bahuje nawe ikibazo bayinyuzemo ntibigire icyo bitanga, ntabwo ari inenge yatuma ikirego kitakirwa ngo gisuzumwe. Bityo kuba hari abavandimwe basaba indishyi banyuze mu bwuvikane abandi ntibabunyuremo ntiyaba impamvu yo kutakira ikirego cy’abataranyuze muriyo nzira kuko basangiye ikirego kandi nabayinyuzemo ikaba ntacyo yabafashije. Ubujurire bufite ishingiro. Amategeko yashingiweho: Iteka rya Perezida N°31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri biturutse ku mpanuka zitewe n’ibinyabiziga Ingingo ya 3, 22 Itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ngingo ya 111 Nta manza zifashishijwe. Urubanza I. IMITERERE Y’URUBANZA [1] Ku wa 20/08/2020, mu mudugudu wa Bazirete, akagari ka Nyarushyama, Umurenge wa Nyakiriba, akarere ka Rubavu, habereye impanuka, ubwo imodoka Truck Jac RAB 159 B, ifite ubwishingizi muri SANLAM yagongaga Seburiri Thomas agahita apfa. Nyuma y’iyo mpanuka, umugore wa nyakwigendera, abana be, umubyeyi we n’abavandimwe be bavuzwe haruguru bashyikirije SANLAM AG PLC inyandiko n’ibyangombwa bikenewe basaba indishyi zikomoka ku rupfu rw’umuntu wabo wahitanywe n’iyo mpanuka, ariko bananirwa kumvikana, niko kuregera urukiko. [2] Urukiko rwisumbuye rwa Rubavu rwaregewe ku rwego rwa mbere rwemeje ko ikirego cya Nyiramahoro na bagenzi be gifite ishingiro kuri bimwe, rutegeka SANLAM INSURANCE COMPANY LTD kwishyura indishyi ziteye zitya: Kuri Nyiramahoro Quesie (umugore wa nyakwigendera): 3.116.300Frws. Ku bana ba nyakwigendera Seburiri Thomas bahagarariwe na nyina Nyiramahoro Quesie (Ishimwe Jean Claude, Mushimiyimana na Nishimwe Cynthia): 2.430.000Frws; Kuri Mparibatenda Amiel (umubyeyi wa nyakwigendera) : 810.000Frws ;

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Ku bavandimwe ba nyakwigendera (Bigirimana Justin, Bunani Daniel na Kwizera Erina : 1.620.000Frws. [3] Uwamahoro na bagenzi be ntibishimiye imikirize y’urubanza, barujuririra mu rukiko rukuru, urugereko rwa Musanze. Me Ruzindana Fidele ahagarariye abajuriye yavuze ko impamvu zatumye bajurira ari izi zikurikira : Urukiko rwageneye Nyiramahoro indishyi z’ibangamirabukungu zibazwe mu buryo butubahirije amategeko, bakaba basaba ko zabarwa hashingiwe ku biteganywa n’ingingo ya 22 y’Iteka rya Perezida ; Urukiko rwemeje ko ikirego cya Nsengiyumva schadrack na Niyonzima Joseph, abavandimwe ba nyakwigendera Seburiri Thomas, kitakiriwe kandi nabo bari bafite uburenganzira ku ndishyi z’akababaro. [4] Me Niyondora Nsengiyumva na Me Nkeza Sempundu Clement bahagarariye SANLAM INSURANCE COMPANY LTD bavuze ko impamvu z’ubujurire za Nyiramahoro na bagenzi be zidakwiye guhabwa ishingiro kuko urukiko rwabaze neza indishyi z’ibangamirabukungu rushingiye ku biteganywa n’iteka rya Perezida cyane ko nyakwigendera Seburiri Thomas nta kazi kazwi yakoraga, indishyi rero zagombaga gutangwa zikaba zigomba kungana n’umushahara muto ntarengwa w’umwaka gukuba inshuro imwe. Naho ku byerekeye Nsengiyumva Schadrack na Niyonzima Joseph, abavandimwe ba nyakwigendera Seburiri Thomas, nta ndishyi bagomba kugenerwa kuko batubahirije inzira y’ubwumvikane kandi iteganywa n’ingingo ya 3 y’Iteka rya Perezida, ubujurire bwabo rero bukaba budakwiriye kwakirwa ngo busuzumwe kuko no ku rwego rwa mbere ikirego cyabo kitasuzumwe. [5] Abahagarariye SANLAM INSURANCE COMPANY LTD batanze ubujurire bwuririye ku bundi basaba urukiko gutegeka abajuriye guha SANLAM 1.000.000 Frws y’indishyi zikubiyemo 800.000 Frws y’igihembo cya Avocat na 200.000Frws y’ikurikiranarubanza. [6] Urukiko rugiye gusuzuma ibibazo bikurikira : Kumenya niba indishyi z’ibangamirabukungu zagenewe Nyiramahoro na bagenzi be ku rwego rwa mbere zarabazwe ku buryo bwubahirije amategeko ; Kumenya niba Nsengiyumva Schadrack na Niyonzima Joseph, abavandimwe ba nyakwigendera Seburiri Thomas bashobora kugenerwa indishyi z’akababaro kandi bataranyuze mu nzira y’ubwumvikane ; Kumenya niba ubujurire bwuririye ku bundi bwakozwe na SANLAM bufite ishingiro. II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA : Ibyerekeye kumenya niba indishyi z’ibangamirabukungu zagenewe Nyiramahoro na bagenzi be ku rwego rwa mbere zarabazwe ku buryo bwubahirije amategeko :

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[7] Me Ruzindana Fidele ahagarariye Nyiramahoro na bagenzi be yavuze ko mu kubara indishyi z’ibangamirabukungu zagenewe Nyiramahoro na bagenzi be urukiko rwisumbuye rwa Rubavu rutashingiye ku biteganywa n’ingingo ya 22 y’Iteka rya Perezida kandi bizwi neza ko nyakwigendera Seburiri Thomas ari we wari utunze umuryango we, ko nubwo atari afite umushahara atahana uzwi ariko yakoraga umurimo wo guhinga akabasha kubeshaho umuryango we. Yasabye urukiko kugenera Nyiramahoro n’umuryango we indishyi zibazwe muri ubu buryo : 3.000frs X 30jrs X 12mois X 15 ans X 2/3 = 5.268.292Frws. 1+ (7% X 15 ans) [8] Me Niyondora Nsengiyumva na Me Nkeza Sempundu Clement bahagarariye SANLAM bavuze ko impamvu y’ubujurire ya Nyiramahoro na bagenzi be nta shingiro ikwiye guhabwa kuko urukiko rwabaze neza indishyi z’ibangamirabukungu zabagenewe hashingiwe ku kuba nyakwigendera Seburiri Thomas nta kazi kazwi yakoraga, basaba urukiko kwemeza ko Nyiramahoro na bagenzi be bagomba gukomeza kugenerwa indishyi z’ibangamirabukungu zingana na 1.080.000Frws ; inshuro imwe y’umushahara w’umwaka ntarengwa. [9] Ingingo ya 22 y’Iteka rya Perezida N°31/01 ryo kuwa 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. 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 ukorera umushahara yari yarahagaritse akazi igihe kitarenze amezi atandatu, abafite uburenganzira be bazahabwa amafaranga hakurikijwe igihembo cye cya nyuma umuntu atahana hamwe n'imyakaye. 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 zikurikira : 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. Iyo uwahohotewe yakoraga umwuga wigenga, igenwa ry'umusaruro rikorwa hakurikijwe ingingo ya 4 y'Itegeko n0 41/2001 ryo ku wa 19/09/2001 ryerekeye itangwa ry'indishyi ku bahohotewe biturutse ku mpanuka zo ku mubiri zitewe n'ibinyabiziga. Indishyi izatangwa nk'uko bikorwa mu gutanga amafaranga (capital) hakurikijwe uburyo bukurikira :

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Umusaruro w'umwaka umuntu atahana w'uwahohotewe X umubare w'imyaka ashigaje kubahoakora X 2/3 1 + (igipimo cy'ibitsa X umubare w'imyaka yo kwibeshaho) [10] Mu gusesengura dosiye, urukiko rwasanze nta mushahara uzwi Seburiri Thomas yatahanaga ariko kandi akaba ariwe wari utunze umuryango we hakoreshejwe ibiva mu mirimo ye ya buri munsi, bivuga ko abarizwa muri kiriya gika cya 3 cy’iriya ngingo ya 22 yavuzwe mu gika kibanziriza iki, indishyi z’ibangamirabukungu zigomba kugenerwa abafite uburenganzira rero zikaba zigomba kubarwa bahereye ku ifatizo ry’inshuro imwe y’umushahara w’umwaka muto ntarengwa wemewe n’amategeko. Ibi ntibivuga ko iyo uwahohotewe utarakoraga akazi ahemberwa yitabye Imana abahohotewe bagomba guhabwa indishyi z’ibangamirabukungu zingana n’inshuro imwe y’umushahara w’umwaka muto ntarengwa (SMIG), ahubwo bivuga ko uyu mushahara w’umwaka muto ntarengwa ari wo ugomba gushingirwaho nk’ifatizo, ubundi mu kubara hagakurikizwa formule iteganywa n’itegeko nk’uko igaragara muri iriya ngingo ya 22 y’Iteka rya Perezida yavuzwe haruguru. Itandukaniro n’umuntu witabye Imana yakoraga umwuga uzwi neza, mbega yinjizaga umusaruro uzwi neza, nuko aho gushingira ku mushahara muto ntarengwa w’umwaka, abafite uburenganzira bagenerwa indishyi hashingiwe ku musaruro nyakwigendera yatahanaga. Bityo rero kuba urukiko rwisumbuye rwa Rubavu rwarageneye Nyiramahoro Quesie indishyi z’ibangamirabukungu zingana na 1.080.000 Frws binyuranye n’ibivugwa muri iriya ngingo y’Iteka rya Perezida, ahubwo yagombaga kugenerwa indishyi z’ibangamirabukungu zibazwe muri ubu buryo: 3.000

X 30 X 12 X

15 X 2/3 = 5.268.292Frws. 1+ (7% X 15) Ibyerekeye kumenya niba Nsengiyumva Schadrack na Niyonzima Joseph, abavandimwe ba nyakwigendera Seburiri Thomas bashobora kugenerwa indishyi z’akababaro kandi bataranyuze mu nzira y’ubwumvikane: [11] Ubwo uru rubanza rwaburanishwaga mu rukiko rwisumbuye rwa Rubavu, Me Niyondora Nsengiyumva ahagarariye SANLAM yazamuye inzitizi asaba ko ibirego bya Nsengiyumva Schadrack na Niyonzima Joseph, abavandimwe ba nyakwigendera Seburiri Thomas bitakwakirwa ngo bisuzumwe kubera ko bo batubahirije inzira y’ubwumvikane. Urukiko rwasuzumye iriya nzitizi ruyiha ishingiro, rwemeza ko ibirego bya bariya bombi bitakiriwe. [12] Me Ruzindana Fidele ahagarariye Nyiramahoro na bagenzi be ari imbere y’uru rukiko yavuze ko indi mpamvu yatumye bajurira aruko urukiko rwanze kwakira ibirego bya Nsengiyumva Schadrack na Niyonzima Joseph, abavandimwe ba nyakwigendera Seburiri Thomas, nyamara ngo byatewe nuko ubwo bajyanaga ibyangomwa muri SANLAM basaba ko yabariha indishyi mu bwumvikane, bariya bombi bari batarabona ibyangombwa bigaragaza ko ari abavandimwe ba nyakwigendera, hanyuma kandi ngo aho babiboneye babonye inzira y’ubwumvikane ntacyo itanze kuri bagenzi babo kandi ibirego byabo ari bimwe, bahitamo kwifatanya nabo batanga ikirego mu rukiko. Yavuze kandi ko ibyangombwa bya Nsengiyumva Schadrack na Niyonzima Joseph babishyikirije SANLAM ariko kugeza n’ubu ntacyo bigeze babasubiza ku byerekeye indishyi

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basabaga. Yasoje asaba uru rukiko gukosora ikosa ryakozwe ku rwego rubanza maze rukagenera bariya bombi indishyi kimwe na bagenzi babo kuko bazifiteho uburenganzira. [13] Me Niyondora Nsengiyumva na Me Nkeza Sempundu Clement bahagarariye SANLAM bavuze ko Nsengiyumva Schadrack na Niyonzima Joseph nta ndishyi bagomba kugenerwa kuko batubahirije inzira y’ubwumvikane kandi iteganywa n’ingingo ya 3 y’Iteka rya Perezida, ubujurire bwabo rero bukaba budakwiriye kwakirwa ngo busuzumwe kuko ku rwego rwa mbere ikirego cyabo kitasuzumwe. [14] Ingingo ya 3 y’Iteka rya Perezida ryavuzwe haruguru iteganya ko Uretse igihe habayeho ikurikiranacyaha, hakurikijwe ingingo ya 9 y'itegeko N° 41/2001 ryo ku wa 19/09/2001 ryerekeye itangwa ry'indishyi ku bagize impanuka zitewe n'ibinyabiziga, uwahohotewe agomba, ku buryo budakuka, mbere yo gutanga ikirego mu rukiko cyerekeye indishyi zitangwa n'umwishingizi w'umushoferi uri mu cyaha, kwaka indishyi mu bwumvikane no kumuha inyandiko zose zerekana ko ibyo yaka bifite ishingiro, harimo n'inyandiko- mvugo igaragaza impanuka yakozwe na polisi… Mu gihe hatabaye ubwumvikane ku buryozwe bw'impanuka, nibwo uwahohotewe ashobora gutanga ikirego mu rukiko. [15] Mu gusesengura iriya ngingo y’Iteka rya Perezida yavuzwe mu gika kibanziriza iki, urukiko rurabona hariya havugwa ko mbere yo gutanga ikirego mu rukiko cyerekeye indishyi zitangwa n’umwishingizi w’umushoferi uri mu cyaha, uwahohotewe agomba, ku buryo budakuka, kwaka indishyi mu bwumvikane, Umushingamategeko yari agamije gushishikariza abantu guca mu nzira yo gukemura ibibazo mu nzira y’amahoro aho guhita bihutira mu nkiko buri gihe uko havutse ikibazo, kubera ko inzira y’amahoro igira umumaro wo kunga ababuranyi no gukemura ikibazo mu buryo bwihuse, mu gihe imanza zizana urwango hagati y’ababuranyi kandi zigakemura ibibazo mu buryo bushyize kera utibagiwe n’ibihombo binyuranye zitera abahiseho iyo nzira. [16] Ku byerekeye uru rubanza rero, Nyiramahoro Quesie umugore wa Nyakwigendera Seburiri Thomas, abana be batatu (3) n’abavandimwe be batatu (3) babanje kugana SANLAM, bayisaba kubagenera indishyi mu bwumvikane, bayishyikiriza ibisabwa byose, ubwumvikane ntibwakunda, bahitamo kwitabaza inkiko. Ubwo abandi basabaga indishyi mu bwumvikane, Nsengiyumva Schadrack na Niyonzima Joseph, nabo bava inda imwe na nyakwigendera Seburiri Thomas, bari bagishakisha ibyangombwa bigaragaza isano bafitanye na nyakwigendera bituma batagaragara ku rutonde rw’abasabye indishyi mu bwumvikane, ariko ubwo batangaga ikirego mu rukiko, nabo bafatanyije na bagenzi babo gutanga ikirego cy’indishyi mu rukiko rwisumbuye rwa Rubavu aribwo urukiko rwemezaga kutakira ikirego cyabo kubera ko batabanje kunyura mu nzira y’ubwumvikane. [17] Hashingiwe ku bimaze kuvugwa haruguru, urukiko rurabona abaregera indishyi barubahirije inzira iteganywa n’Iteka rya Perezida babanza gusaba indishyi mu bwumvikane ariko SANLAM ntiyemera ko habaho ubwumvikane, ibi bikaba byaratewe nuko indishyi SANLAM yashakaga kugenera abaregera indishyi zari nke cyane ugereranyije n’izo basabaga kandi bemererwa n’amategeko. Abahagarariye SANLAM bemera ko uretse Nsengiyumva Schadrack na Niyonzima Joseph, abandi bose baregeye urukiko babanje kunyura mu nzira y’ubwumvikane kandi ntibyakunda ko bumvikana. Ikindi kandi ntibahakana ko Nsengiyumva Schadrack na Niyonzima Joseph ari abavandimwe ba nyakwigendera Seburiri Thomas ndetse ko ibyo basaba ari bimwe

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n’iby’abandi bavandimwe ba nyakwigendera nabo basabaga mu bwumvikane kandi bakaba batarabihawe na SANLAM. Ikindi nanone, abahagarariye SANLAM ntibabashije kubwira urukiko niba iyo Nsengiyumva Schadrack na Niyonzima Joseph banyura mu nzira y’ubwumvikane SANLAM yari kubakemurira ikibazo batagombye kuregera urukiko, bivuga ko niyo nabo baba barabonye ibyangombwa mbere maze bagafatanya na bagenzi babo gusaba indishyi mu bwumvikane, n’ubundi ubwumvikane bwari kwanga bagakomezanya gutanga ikirego mu rukiko. [18] Urukiko rero rurabona kuba Nsengiyumva Schadrack na Niyonzima Joseph, bari bafite ibirego bimwe n’abandi bavandimwe batatu ba nyakwigendera Seburiri Thomas banyuze mu nzira y’ubwumvikane ariko SANLAM ntibakemurire ikibazo mu bwumvikane, ntibyafatwa nk’inenge ikomeye yatuma ikirego cyabo gisaba indishyi kitakirwa mu rukiko kuko abahagarariye SANLAM batabashishe kwerekana umwihariko bari bafite wari gutuma ikibazo cyabo gikemukira mu bwumvikane bitageze mu rukiko mu gihe bagenzi babo, basabaga bimwe, banyuze muri iriya nzira, ntacyo byabafashije. Birumvikana ko batari kubona ikibazo cya bagenzi babo kidakemukiye mu bwumvikane maze ngo bibakereze gutanga ikirego mu rukiko babanza guca mu nzira bagenzi babo baciyemo kandi ntibagirire umumaro kandi ibyo bashingiraho basaba indishyi bisa. Urukiko rero rurabona kuba SANLAM idahakana ko Nsengiyumva Schadrack na Niyonzima Joseph ari abavandimwe ba nyakwigendera Seburiri Thomas kandi ko bafite uburenganzira ku ndishyi zikomoka ku rupfu rw’umuvandimwe wabo, kuba SANLAM isaba ko urukiko rwemeza ko babanza kujya gusaba indishyi mu bwumvikane bwaba ari uburyo bwo gusiragiza ababuranyi no gutinza ubutabera mu gihe intego y’inkiko ari iyo gutanga ubutabera bwihuse kandi bunoze. Nibyo koko Iteka rya Perezida risaba abaregera indishyi kubanza kuzisaba mu bwumvikane, kandi ni ngombwa ku mpamvu zasobanuwe haruguru, ariko mu rwego rwo kwihutisha ubutabera, urukiko rurabona nta mpamvu yo gutegeka Nsengiyumva Schadrack na Niyonzima Joseph gusubira inyuma bakajya kunyura mu nzira y’ubwumvikane mu gihe bagenzi babo bafite ibirego bisa n’ibyabo bayinyuzemo kandi ntibigire icyo bibamarira. Ahubwo urukiko rubibonamo uburyo bwo gutinza Ubutabera ku baregera indishyi bababajwe no kubura umuvandimwe wabo wahitanywe n’impanuka, ikirego cyabo rero kikaba cyaragombaga kwakirwa kigasuzumirwa hamwe n’ibya bagenzi babo, bityo bakaba bagomba guhabwa ibyo bagenerwa n’amategeko cyane ko abahagarariye SANLAM batanagaragarije urukiko icyo SANLAM yahomberwa mu gihe ikirego cya Nsengiyumva Schadrack na Niyonzima Joseph cyakwakirwa kigasuzumwa maze kigakemurirwa rimwe n’icya bagenzi babo aho kubasiragiza kandi bizwi neza ko nabo bangirijwe n’impanuka yakozwe n’ikinyabiziga kishingiwe na SANLAM kandi bakaba bafite uburenganzira ku ndishyi zikomoka kuri iriya mpanuka yahitanye umuvandimwe wabo nyakwigendera Seburiri Thomas. [19] Hashingiwe ku bimaze kuvugwa haruguru byose, urukiko rurabona Nsengiyumva Schadrack na Niyonzima Joseph, abavandimwe ba nyakwigendera Seburiri Thomas, kimwe n’abandi bavandimwe ba nyakwigendera, bagomba kugenerwa na SANLAM indishyi z’akababaro zibazwe zitya : 3000 x 30 jrs x 12 mois x 0.5 = 540.000Frws, kuri buri wese. Ibyerekeye kumenya niba ubujurire bwa SANLAM bwuririye kubwa Nyiramahoro na bagenzi bwe bushobora kwakirwa : [20] Me Niyondora Nsengiyumva na Me Nkeza Sempundu Clement bahagarariye SANLAM batanze ubujurire bwuririye ku bundi basaba urukiko gutegeka Nyiramahoro na bagenzi be guha

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SANLAM indishyi zingana na 1.000.000Frws akubiyemo 800.000Frws na 200.000Frws y’igihembo cya Avocat y’ikurikiranarubanza, ariko nk’uko byasobanuwe haruguru, impamvu z’ubujurire za Nyiramahoro na bagenzi be zose zifite ishingiro, bityo ubujurire bwuririye ku bundi bwatanzwe na SANLAM bukaba nta shingiro bufite. Ibyerekeye kumenya niba indishyi zasabwe na Nyiramahoro na bagenzi be zifite ishingiro: [21] Me Ruzindana Fidele ahagarariye Nyiramahoro na bagenzi yasabye urukiko kubagenera indishyi z’amafaranga y’ikurikiranarubanza n’indishyi z’akababaro angana n’ibihumbi magana abiri (200.000 frws) kuri buri wese. Amafaranga y’igihembo cy’Avoka angana na 1.000.000frws, no gusubizwa igarama ry’amafaranga ibihumbi makumyabiri (20.000frws). [22] Me Niyondora Nsengiyumva ahagarariye SANLAM yavuze ko ziriya ndishyi abaregera indishyi basaba nta shingiro zikwiye guhabwa kuko aribo bishoye mu manza, bajurira kandi bitari ngombwa kuko batigeze bavuguruza ibyashingiweho n’urukiko ku rwego rwa mbere mu gufata icyemezo cyarwo. [23] Hashingiwe ku ngingo 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 ari ikirego gishamikira ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza kandi ko Ikirego kiburanishirizwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikanaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe, hagashingirwa no ku byasobanuwe haruguru aho urukiko rwagaragaje ko ubujurire bwa Nyiramahoro na bagenzi be bufite ishingiro, urukiko rurabona indishyi z’ikurikiranarubanza n’igihembo cya Avocat basabye zifite ishingiro. Icyakora kuko indishyi basabye ari ikirenga, urukiko rurabona bagomba kuzigenerwa mu bushishozi bw’urukiko, bityo bakagenerwa na SANLAM 250.000Frws y’igihembo cya Avocat hashingiwe ku ngingo ya 33 y’amabwiriza agena ibihembo mbonera by’Abavoka, bagahabwa kandi 50.000Frws y’ikurikiranarubanza mu bujurire. Indishyi z’akababaro basabye urukiko rurabona nta shingiro zahabwa kuko batasobanuriye urukiko akababaro bavuga ako ariko, ikindi kandi ku rwego rwa mbere bagenewe indishyi z’akababaro zikomoka ku mpanuka yahitanye uwabo nyakwigendera Seburiri Thomas. III. ICYEMEZO CY’URUKIKO [24] Urukiko rwemeje ko ubujurire bwa Nyiramahoro na bagenzi be bufite ishingiro. [25] Urukiko rwemeje ko ubujurire bwuririye ku bundi bakozwe na SANLAM nta shingiro bufite. [26] Urukiko rutegetse SANLAM guha Nyiramahoro na bangenzi be indishyi ziteye zitya: Kuri Nyiramahoro Quesie (umugore wa Nyakwigendera): 5.268.292Frws y’indishyi z’ibangamirabukungu;

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1.080.000 y’indishyi z’akababaro; 936.300Frws yakoreshejwe mu gutwara umurambo, gushyingura n’imihango y’ishyingura, gusiragira kuri dosiye, agura ibyangombwa bikenewe kandi yishyura Avoka wababuraniye; Ku bana ba nyakwigendera Seburiri Thomas (bahagarariwe na nyina Uwamahoro Quesie (Ishimwe Jean Claude, Mushimiyimana na Nishimwe Cynthia): 810.000Frws kuri buri wese y’indishyi z’impozamarira, yose hamwe akaba 2.430.000Frws. Kuri Mparibatenda Amiel (se wa nyakwigendera Seburiri Thomas): 810.000Frws. Ku bavandimwe ba nyakwigendera (Bigirimana Justin, Bunani Daniel, Kwizera Erina, Nsengiyumva Schadrack na Niyonzima Joseph): 540.000Frws kuri buri wese, yose hamwe akaba 2.700.000Frws. [27] Urukiko rutegetse SANLAM guha abaregera indishyi, bose hamwe, 250.000Frws y’igihembo cya Avocat mu bujurire na 50.000Frws y’ikurikiranarubanza mu bujurire. [28] Urukiko rutegetse ko RC00169/2020/TGI/RBV rwaciwe n’urukiko rwisumbuye rwa Rubavu kuwa 10/01/2022, ruhindutse ku byerekeye indishyi. [29] Urukiko rutegetse SANLAM gusubiza Nyiramahoro na bagenzi be 40.000Frws y’ingwate y’amagarama batanze bajurira.