SANLAM AG Ltd v NTAWUGASHIRA N’ABANDI

# SANLAM AG Ltd v NTAWUGASHIRA N’ABANDI

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2022-04-29 - Case/document no.: RCA 00067/2021/HC/NYZ - Collection: High Court

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SANLAM AG Ltd v NTAWUGASHIRA N’ABANDI [Rwanda URUKIKO RUKURU - RCA 00067/2021/HC/NYZ (Uwamariya, P.J.) 29 Mata 2022] Amategeko y’imanza mbonezamubano - Indishyi ziikomoka ku mpanuka – Indishyi mbangamirabukungu - Abasaba indishyi mbangamirabukungu bagomba kugaragaza ko nyakwigendera yabahaga ibibatunga mbere y’uko apfa no kugaragaza ko bishoboka kandi byumvikana ko iyo adapfa yari kuzakomeza kubibaha. Amategeko y’imanza mbonezamubano - Indishyi zikomoka ku mpanuka – Ibishingirwaho mu kugena indishyi mbangamirabukungu - Inyandiko yatanzwe n’ubuyobozi bwa Leta yemeza ko Nyakwigendera ari we wari utunze umuryango si ikimenyetso gihamye urukiko rwashingiraho rwemeza ko koko yari atunze umuryango we kuko iyi nyandiko nta kindi kiyishyigikira kigaragaza uburyo yari abatunzemo, ibyo yatangaga uko bingana ku buryo byakwitwa gutunga umuntu. Ibyo akaba ari nka Historique bancaire, message za Mobile Money n’ibindi. Incamake y’ikibazo: Ku wa 24/10/2020 kuri Poids lourd mu Kanogo-Kiyovu, habereye impanuka yakozwe n’imodoka Toyota Matrik RAD 314 N yari itwawe na Nyiraneza ifite ubwishingizi muri SANLAM AG Ltd, igonga Mukamana ahita apfa. Abagize umuryango wa nyakwigendera aribo Ntawugashira, Ntawigira, Murwanashyaka, Nshimiyimana, Ndagijimana, Nyiransabikunze, Ngirinshuti na Mukanyandwi bagejeje ibyangombwa muri Sanlam ariko ntibashobora kumvikana bituma baregera Urukiko Rwisumbuye rwa Nyamagabe basaba ko umwishingizi abishyura indishyi zinyuranye. Urubanza rwaje kuburanishwa SANLAM AG Ltd iratsindwa icibwa indishyi zitandukanye zirimo indishyi mbangamirabukungu, ibangamirwa ku muco n’izindi. Uregwa ntiyishimiye imikirize y’urubanza arujurira mu Rukiko Rukuru Urugereko rwa Nyanza asaba urukiko gusuzuma niba yaragombaga gutegekwa gutanga indishyi z’ibangamirabukungu kandi abaziregeye batagaragaza ibimenyetso bifatika bigaragaza ko nyakwigendera yari abatunze. Abaregera indishyi bavuga ko iyi mpamvu y’ubujurire nta shingiro ifite kuko urukiko rwasesenguye neza ikimenyetso batanze cy’inyandiko yakozwe n’ubuyobozi bw’Akagri, ikemezwa n’ubuyobozi bw’Umurenge yemeza ko Mukamana yapfuye kandi akaba ariwe wari utunze umuryango we, rukagiha agaciro bityo indishyi mbangamirabukungu zikaba zagumishwaho ku mubyeyi wa nyakwigendera kuko n’ubusanzwe abana bafite ishingano zo gutanga ibitunga ababyeyi babo. Incamake y’icyemezo:1. Abasaba indishyi mbangamirabukungu bagomba kugaragaza ko nyakwigendera yabahaga ibibatunga mbere y’uko apfa no kugaragaza ko bishoboka kandi byumvikana ko iyo adapfa yari kuzakomeza kubibaha bityo indishyi mbangamirabukungu zagenewe umubyeyi wa nyakwigendera witwa Ntawugashira zingana 7,073,386 FRW zigomba kuvanwaho. 2. Inyandiko yatanzwe n’ubuyobozi bwa Leta yemeza ko Nyakwigendera ari we wari utunze umuryango si ikimenyetso gihamye urukiko rwashingiraho rwemeza ko koko yari atunze umuryango we kuko iyi nyandiko nta kindi kiyishyigikira kigaragaza uburyo yari abatunzemo, ibyo yatangaga uko bingana ku buryo byakwitwa gutunga umuntu. Ibyo akaba ari nka Historique bancaire, message za Mobile Money n’ibindi. Kubwo ibyo icyemezo cyatanzwe n’akagari

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kikemezwa n’umurenge ari nacyo cyashingiweho hagenwa indishyi mbangamirabukungu zahawe Ntawugashira nta gaciro gifite. Ubujurire bwa SANLAM bufite ishingiro; Imikirize y’urubanza RC 00012/2021/TGI/NYBE rwajuririwe ihindutse kuri bimwe; Amagarama yatanzwe ahwanye n’ibyakozwe mu rubanza. 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 12. Itegeko Nº 32/2016 ryo ku wa 28/08/2016 rigenga abantu n’umuryango, ingingo ya 255. 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. 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 22. Nta manza zifashishijwe Inyandiko z’abahanga zifashishijwe: P. Jourdain, Les principes de la responsabilité civile, Editions Dalloz, 3e éd. Paris, 1996, p. 122- 123 Urubanza I . IMITERERE Y’URUBANZA. [1] Uru rubanza rwatangiriye mu Rukiko Rwisumbuye rwa Nyamagabe Ntawugashira Sylvestre, Ntawigira Claudine, Murwanashyaka, Nshimiyimana Emmanuel, Ndagijimana ndetse na Nyiransabikunze, Ngirinshuti Pascal na Mukanyandwi Jeannette barega SANLAM indishyi zinyuranye zikomoka ku mpanuka y’imodoka yo kuwa 24/10/2020 yari itwawe na Nyiraneza Diane yateje urupfu Mukamana Alphonsine. [2] Basobanuye ko ku wa 24/10/2020, kuri Poids lourd mu Kanogo-Kiyovu, habereye impanuka yakozwe n’imodoka Toyota Matrik RAD 314 N yari itwawe na Nyiraneza Diane ifite ubwishingizi muri Sanlam, igonga Mukamana Alphonsine ahita yitaba Imana. Abagize umuryango wa nyakwigendera bagejeje ibyangombwa muri Sanlam ariko ntibashobora kumvikana ariyo mpamvu baregeye urukiko basaba ko umwishingizi abishyura indishyi mbonezamusaruro, indishyi mpozamarira, gusubizwa amafaranga yakoreshejwe n’amafaranga y’ikurikiranarubanza. [3] Uburanira Sanlam AG Plc ntiyitabye urukiko haba mu nama ntegurarubanza no ku mu nsi wo kuburana mu Rukiko, nta n’imyanzuro yo kwiregura yashyize muri dosiye, ariko yarahamagajwe mu buryo bukurikije amategeko, bisabwe n’abarega ko urubanza rwaburanishwa

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adahari, rwashingiye ku ngingo ya 56 y’Itegeko Nº 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi rufata icyemezo cyo kuruburanisha idahari, ruburanishirizwa mu ruhame tariki ya 06/07/2021, abarega baburanirwa na Me Rwabilinda Sylvestre. [4] Urukiko rwaciye urubanza rwemeza ko ikirego cya Ntawugashira Sylvestre, Ntawigira Claudine, Murwanashyaka, Nshimiyimana Emmanuel, Ndagijimana ndetse na Nyiransabikunze, Ngirinshuti Pascal na Mukanyandwi Jeannette bahagarariwe na se Ntawugashira Sylvestre gifite ishingiro, rutegeka SANLAM AG Plc kwishyura Ntawugashira Sylvestre indishyi y’ibangamirabukungu y’amafaranga 7,073,386, amafaranga 810,000 y’ibangamirwa ku muco, amafaranga y’ibangamirwa ku muco ku bavandimwe ba nyakwigendera aribo: Ntawigira Claudine, Murwanashyaka, Nshimiyimana Emmanuel, Ndagijimana, Nyiransabikunze, Ngirinshuti Pascal na Mukanyandwi Jeannette bose hamwe 3,780,000 FRW, amafaranga 170,000 yakodeshejwe taxi, kugura ibyangombwa ku murenge amafaranga 24,800, ayishyuwe umuhesha w’inkiko amafaranga 20.000, yose hamwe akaba ari miliyoni cumi n’imwe ibihumbi magana inani na mirongo irindwi n’umunani n’ijana na mirongo inani n’atandatu (11,878,186 FRW). Rwategetse kandi SANLAM Assurances Générales PLC kwishyura abarega amafaranga ibihumbi magana atanu (500.000 FRW) y’igihembo cy’avoka, no gusubiza abaregera indishyi amafaranga y’amagarama batanze angana n’ibihumbi makumyabiri (20,000 FRW), ikayabishyura kuva uru rubanza rubaye ndakuka, itabikora agakurwa mu byayo ku ngufu za Leta. [5] SANLAM Assurances Générales PLC ntiyishimiye imikirize y’urubanza irujuririra mu Rukiko Rukuru Urugereko rwa Nyanza. Uyihagarariye asobanura ko yajuriye isaba urukiko gusuzuma niba yaragombaga gutegekwa gutanga indishyi z’ibangamirabukungu kandi abaziregeye batagaragaza ibimenyetso bifatika bigaragaza ko nyakwigendera yari atunze umuryango we. [6] Uburanira abaregera indishyi avuga ko iyi mpamvu ya SANLAM nta shingiro ifite kuko urukiko rwasesenguye neza ikimenyetso batanze rukagiha agaciro, indishyi mbangamirabukungu zikaba zagumishwaho ku mubyeyi wa nyakwigendera kuko n’ubusanzwe abana bafite ishingano zo gutanga ibitunga ababyeyi babo.  Icyo urukiko rugomba gusuzuma muri uru rubanza, ni ukumenya niba indishyi mbangamirabukungu zaratanzwe ari nta kigaragaza ko nyakigendera yari atunze umuryango we, no gusuzuma indishyi z’igihembo cy’avoka zisabwa kuri uru rwego rw’ubujurire. II . ISESENGURA RY’IBIBAZO BIGIZE URUBANZA - Gusuzuma niba indishyi mbangamirabukungu zaratanzwe ari nta kigaragaza ko nyakigendera yari atunze umuryango we [7] Uhagarariye SANLAM avuga ko yajuriye kugira ngo urukiko ruzasuzume niba SANLAM AG PLC yari gutegekwa gutanga indishyi mbangamirabukungu ku mubyeyi wa nyakwigendera. Avuga ko nta kigaragaza ko abaregaga mu Rukiko Rwisumbuye rwa Nyamagabe bari batunzwe na nyakwigendera Mukamana Alphonsine wapfuye akiri ingaragu, cyane ko n'icyemezo cyatanzwe n'ubuyobozi bw'akagari kitagaragaza uburyo yari abatunzemo.

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[8] Avuga kandi ko Mukamana Alphonsine yari asanzwe afte abandi bavandimwe be babifite mu nshingano zabo kuba batunga se, ko ntaho bigaragara ko Ntawugashira yari akeneye gutungwa na Mukamana Alphonsine, bakaba batanagaragaza ko Mukamana Alphonsine yari afite ubushobozi bwo kuba yamutunga cyane ko batigeze bagaragaza umurimo yari afite ku buryo yashobora kubatunga nawe akitunga, bityo SANLAM igasaba ko izi ndishyi mbangamirabukungu abazigenewe batari bakwiye kuzihabwa. [9] Arasaba urukiko kuzashingira kuri jurisprudence y’Urukiko rw’Ikirenga mu rubanza RCAA 0049/14/CS mu gika cyayo cya 19, aho uru rubanza rwagaragaje ko icyemezo cy'ubuyobozi ataricyo kamara. Avuga ko kandi Urukiko Rwisumbuye atari rwo rutanga umurongo ugomba kugenderwaho mu zindi manza mu gutanga indishyi. [10] Me Rwabirinda uburanira abaregera indishyi, avuga ko Urukiko rwatanze indishyi mbangamirabukungu rufite aho rushingiye kuko icyemezo cyo ku wa 18/03/2021 cyemejwe n'ubuyobozi bw'Umurenge wa Buruhukiro ko Nyakwigendera yari atunze umuryango wa Ntawugashira Sylvestre n’abandi, kandi SANLAM ikaba itabasha kubivuguruza. [11] Avuga ko iby’uyihagarariye avuga ko urukiko rwa Nyamagabe arirwo rwatanze umurongo atari byo, kuko mu rubanza RC00010/2021/TGI/NYBE ku rupapuro rwa 5 Urukiko rwerekanye ama Case law menshi y’aho indishyi mbangamirabukungu zatanzwe aho umwana yari atunze umuryango ndetse no mu rubanza RCA 00026/2018/HC/NYZ rwa SORAS na SERUMONDO F bigaragaramo, bityo rero akaba atari Urukiko rwisumbuye rwafashe uwo murongo wo gutanga izo ndishyi muri bene ubwo buryo. [12] Ngo naho kuba nyakwigendera Mukamana Alphonsine yari afite abandi bavandimwe, avuga ko uhagarariye SANLAM arangwa no kwivuguruza kuko yemera ko n’abavandimwe bafite inshingano zo gutunga ababyeyi babo, ko rero bidakuraho ko nyakwigendera yari gutunga ababyeyi be. Avuga ko ingingo ya 255 y'Itegeko rigenga abantu n’umuryango rivuga ko umwana afite inshingano zo gutunga umuryango kandi Ntawugashira Sylvestre yari abikeneye kuko abarizwa mu cyiciro cya 2 cy’ubudeha, akaba yari akwiye ubufasha bw’umwana we. [13] Avuga ko muri jurisprudence yatanzwe na Me CLotilde RCAA 00049/14/SC, aha bavugaga ko bigoye kugaragaza ko umuvandimwe atunga undi muvandimwe, ariko ntibavugaga ko umwana adafite inshingano zo gutunga umubyeyi cyane ko itegeko rigenga umuryango ribyemeza muri iyi ngingo bamaze kuvuga ya 255. Avuga ko Mukamana yabanaga na se bakaba batumva icyo SANLAM ishingiraho ibihakana. Arasaba urukiko kandi gushingira ku manza zaciwe arizo RCA 00026/2018/HC/NYZ, RPAA 0103/12/SC kuri page 7 point 30 rwerekana formule izakurikizwa mu kubara indishyi. [14] Me Rwimo Clotilde uburanira SANLAM avuga ko izi ndishyi atazihabwa kuko nta kigaragaza ko Mukamana Alphonsine witaye Imana yari atunze se Ntawugashira Sylvestre, kwitwa ko ari umwana we bikaba bidasobanura ko yari amutunze. Avuga ko ariko urukiko ruramutse rubibonye ukundi rukemeza ko izo ndishyi yazihabwa, zatangwa hashingiwe ku itegeko, hagashingirwa ku ngingo ya 22 y’iteka rya Perezida rigena uburyo bwo kubara indishyi zikomoka ku mpanuka y’ibinyabiziga mu gace kayo ka 4 kavuga umuntu udakora umurimo ahemberwa cyangwa akora umurimo wo mu rugo cyangwa adashobora kugaragaza umusaruro we nyakuri, ahabwa inshuro imwe y’umushahara muto ntarengwa wemewe n’amategeko, ni

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ukuvuga agahabwa 3000x30x12=1,080,000 frws, hanyuma kandi zikazagabanywamwo 2 kuko na nyina azisaba (hari urubanza nyina yazisabyemo ariko ngo ntabwo barwitwaje). UKO URUKIKO RUBIBONA [15] Ingingo ya 22 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 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. Ivuga ko abafite uburenganzira ku buryo byumvikana ko bari batunzwe n'uwahohotewe aribo bonyine bashobora guhabwa indishyi. [16] Ingingo ya 255 y’ Itegeko Nº 32/2016 ryo ku wa 28/08/2016 rigenga abantu n’umuryango, iteganya ko abana bose bakomoka ku mubyeyi cyangwa ku babyeyi bazwi bagira uburenganzira n’inshingano zimwe ku babyeyi babo, hatitawe ku buryo ubwo aribwo bwose bavutsemo. Umwana agomba guha agaciro ababyeyi be, kububaha no kubaha ibibatunga igihe babikeneye. [17] Nubwo byari mu nshingano za nyakwigendera guha umubyeyi we ibimutunga, urukiko rurasanga ababyeyi babihabwa aruko bagaragaje ko babikeneye. Kandi ingingo ya 22 y’iteka rya perezida ryavuzwe nayo igaragaza ko abafite uburenganzira ku buryo byumvikana ko bari batunzwe n'uwahohotewe aribo bo bonyine bashobora guhabwa indishyi mbangamirabukungu. Kuba Sanlam ihakana ko nyakwigendera yari atunze umuryango we, aba bavuga ko bari batunzwe na we bagomba kubitangira ibimenyetso bifatika nkuko biteganywa n’ingingo ya 12 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 urega agomba kugaragaza ibimenyetso by’ibyo aregera. [18] Ibyerekeye ibimenyetso mu kugaragaza ko abasaba indishyi mbangamira bukungu bari batunzwe na nyakwigendera kandi, binavugwa n’umuhanga mu by’amategeko Patrice Jourdain. Mu gitabo cye cyitwa « Les principes de la responsabilité civile”, asobanura ibyerekeye gusaba indishyi mbangamirabukungu bikozwe n’abatahohotewe bwite n’impanuka, akagaragaza abantu batandukanye bashobora gusaba izi ndishyi. Avugamo abari batunzwe na nyakwigendera bahita batakaza ibyo yabahaga akimara gupfa, n’abantu bari bafatanyije ibikorwa by’ubucuruzi na nyakwigendera cyangwa bahujwe n’akazi ku buryo butaziguye. Mu bari batunzwe na nyakwigendera, avugamo ababyeyi, abana, abo mwashakanye mu buryo budakurikije amategeko, abageze mu zabukuru, inshuti zibikeneye, mbese muri make abo bakunda kwita abazungura (les ayants droit). Avuga ko mu gusaba izi ndishyi, by’umwihariko inkiko zisaba ibimenyetso bigaragaza ishingiro ry’igihombo bagize basabira indishyi. Avuga ko abazisaba bagomba kugaragaza ko nyakwigendera yabahaga ibibatunga mbere yuko apfa, no kugaragaza ko bishoboka kandi byumvikana ko iyo adapfa yari kuzakomeza kubibaha1. 1 P.Jourdain, Les principes de la responsabilité civile, Editions Dalloz, 3e éd. Paris, 1996, p. 122-123. Le préjudice économique par ricochet peut être réparé en deux séries de cas. En premier lieu, sont indemnisées les personnes qui étaient en charge de la victime directe pour la perte des subsides que celle-ci leur versait (parents, enfants, concubins, personnes âgées, amis dans le besoin, etc.). Il s’agit de proches de la victime que l’on nomme

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[19] Urukiko rushingiye ku bisobanuro bitangwa n’uyu muhanga, rubona ko inyandiko yatanzwe n’ubuyobozi bw’akagari ka Rambya ikemezwa n’ubuyobozi bw’umurenge wa Buruhukiro-Nyamagabe ko Mukamana Alphonsine yitabye Imana akaba ari we wari utunze umuryango, si ikimenyetso gihamye urukiko rwashingiraho rwemeza ko koko yari atunze umuryango we kuko iyi nyandiko nta kindi kiyishyigikira kigaragaza uburyo yari abatunzemo, ibyo yatangaga uko bingana ku buryo byakwitwa gutunga umuntu, ibyo akaba ari nka Historique bancaire, message za Mobile Money n’ibindi. [20] Ikindi nta murimo uzwi wakorwaga na nyakwigendera, n’umusaruro we ntuzwi ngo bibe byashingirwaho mu kwemeza ko yari atuze uyu muryango ugizwe na se n’abavandimwe be na we akabasha kwitunga. Kubera izi mpamvu, urukiko rurasanga izi ndishyi mbangamirabukungu zagenewe umubyeyi wa nyakwigendera ari we Ntawugashira Sylvestre zingana 7,073,386 FRW zigomba kuvanwaho. - Gusuzuma indishyi zisabwa kuri uru rwego rw’ubujurire [21] Uhagarariye SANLAM avuga ko kuba Ntawugashira Sylvestre na bagenzi be barasabye indishyi z’ibangamira bukungu bazi neza ko batari batunzwe na nyakwigendera bigatuma urukiko rufata icyemezo cyabangamiye SANLAM maze bigatuma SALAM yiyambaza Avoka mu bujurire, SANLAM irabisabira ndishyi zingana na 500.000 frw y’igihembo cy’avoka ndetse n’amafaranga 40.000 frs y’igarama. [22] Uhagarariye Ntawugashira Sylvestre n’abandi avuga ko SANLAM nta ndishyi ikwiye guhabwa kuko ariyo yatumye uru rubanza rubaho kuko bimanye indishyi mu bwumvikane kandi no mu rubanza ajurira ntibitabire iburanisha nta mpamvu, ibi bavuga bakaba baragombaga kubivuga ku rwego rwa mbere. Ngo ariko Urukiko nirubibona ukundi ruzagenere indishyi SANLAM zingana 250.000 kuko ari mu rwego rw’ubujurire. [23] Uhagarariye Ntawugashira Sylvestre na bagenzi be na we yuririye ku bujurire bwa SANLAM, arasaba ko bahabwa igihembo cy'Avocat cya 250.000 frw yiyongera ku yatanzwe mbere mu Rukiko Rwisumbuye rwa Nyamagabe ndetse na 300.000 frw yo kubakurura mu manza nta mpamvu. [24] Me Rwimo Clotilde avuga ko izi ndishyi uhagarariye Ntawugashira na bagenzi be basaba ntazo bakwiye guhabwa kuko ubujurire bwa SANLAM bufite ishingiro. UKO URUKIKO RUBIBONA [25] Nubwo SANLAM itsindiye indishyi z’ibangamirabukungu zari zagenwe ku rwego rwa mbere zikaba zivanweho, urukiko rurasanga ari nta ndishyi z’igihembo cy’avoka igomba guhabwa kukohari izindi ndishyi yatsindiwe ku rwego rwa mbere itajuririye kandi ikaba itarazishyura. souvent « ayants droit ». Encore faut-il cependant que la victime directe soit décédée, car si non les dommages- intérêts qu’elle reçoit sont censés « l’indemniser » complétement et la rétablir dans ses ressources, de sorte qu’elle est en mesure de poursuivre les versements antérieurs. En outre, les tribunaux se montrent particulièrement exigeants sur la preuve de la réalité d’un tel préjudice. Les victimes doivent établir non seulement que le défunt versait effectivement des subsides aux personnes à charge avant l’accident qui a provoqué son décès, mais encore qu’il y’avait une probabilité raisonnable de maintien des versements après le décès.

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III. ICYEMEZO CY’URUKIKO. [26] Rwemeje ko ubujurire bwa SANLAM bufite ishingiro. [27] Rwemeje ko imikirize y’urubanza RC 00012/2021/TGI/NYBE rwajuririwe ihindutse kuri bimwe. [28] Rwemeje ko ku ndishyi zingana na 11,878,186 FRW havanwamo izingana na 7,073,386 frw z’ibangamirabukungu zagenewe Ntawugashira Sulvestre, hagasigara amafaranga 810,000 y’ibangamirwa ku muco, amafaranga y’ibangamirwa ku muco ku bavandimwe ba nyakwigendera aribo: Ntawigira Claudine, Murwanashyaka, Nshimiyimana Emmanuel, Ndagijimana, Nyiransabikunze, Ngirinshuti Pascal na Mukanyandwi Jeannette bose hamwe 3,780,000 FRW, amafaranga 170,000 yakodeshejwe taxi, kugura ibyangombwa ku murenge amafaranga 24,800, ayishyuwe umuhesha w’inkiko amafaranga 20.000, yose hamwe akaba ari 4.804.800 frw. Hagumyeho kandi indishyi z’igihembo cy’avoka zingana na 500.000 frw no gusubizwa igarama ringana na 20.000 frw, indishyi zose hamwe zigahwana na miriyoni eshanu n’ibihumbi magana atatu na makumyabiri na bine na magana inani (5.324.800 frw), aya akaba ariyo SANLAN itegetswe kwishyura. [29] Rwemeje ko nta ndishyi z’igihembo cy’avoka zitanzwe muri ubu bujurire. [30] Rutegetse ko amagarama angana na 40.000 frw SANLAM yatanzeho ingwate ijurira ahwanye n’ibyakozwe mu rubanza.