SANLAM v MUKANKIKO NABANDI

SANLAM v MUKANKIKO NABANDI

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-03-03 - Case/document no.: RCA 00021/2022/HC/NYZ - Collection: High Court

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SANLAM AG PLC v MUKANKIKO N’ABANDI [Rwanda URUKIKO RUKURU - RCA 00021/2022/HC/NYZ KU WA 03/03/2023 (Ndagijimana, P.J.) 03 Werurwe 2023] Amategeko y’imanza mbonezamubano – Imanza z’impanuka zo mu muhanda – Uburyo bwo kugena indishyi - Mu gihe uwakorewe impanuka yagize uruhare muri iyo mpanuka kandi umuyobozi w’ikinyabizga akaba ntacyo yakoze ngo abuze ko iyo mpanuka kba, abaregera indishyi bagenerwa 50% y’iziteganywa ku buryozwe bw’impanuka zitewe n’ibinyabiziga. Incamake y’ikibazo: Uru rubanza rwatangiriye mu Rukiko Rwisumbuye rwa Nyamagabe Mukankiko na bagenzi be bafite uburenganzira barega SANLAM AG PLC indishyi zikomoka ku mpanuka yakorewe Kaneza, bavuga ko yabaye ku wa 18/10/2020 ubwo imodoka ya Mercedes Benz RAC 316 F ifite trailer RL 0930, ifite ubwishingizi muri SANLAM AG Plc, yari itwawe n’ uwitwa Runiga yakomerekeje bikomeye Kaneza ahita apfa, basaba indishyi bavuga ko impanuka yatewe n’uburangare n’ubuteganye buke bwa Runiga wari utwaye iyo modoka. Urukiko rwisumbuye rwageneye indishyi zitandukanye abarega zingana na 50% z’izagombaga gutangwa kuko Nyakwigendera nawe yagize uruhare mu mpanuka yagize ikamuviramo urupfu. SANLAM AG Plc yajuririye mu rukiko Rukuru, ivuga ko itaryozwa indishyi zikomoka kuri iyo mpanuka kuko umushoferi nta kosa yakoze, ko ahubwo Kaneza ari we wakoze ikosa yurira kuri trailer y’imodoka ayifataho aturutse inyuma yayo aho shoferi atashoboraga

kubona kubera ko imodoka ari ndende, ikiziriko cyari kiziritse ikiraro imodoka zuririraho kiracika kiramukubita arapfa. Urukiko rrukuru rwakiriye ubwo bujurire rusuzuma niba nta ndishyi zigomba gutangwa kuko impanuka yatewe na Kaneza wuriye imdoka igenda. SANLAM AG PLC ivuga ko Urukiko Rwisumbuye rwa Nyamagabe rwategetse SANLAM AG kwishyura indishyi zingana na Frw 2,675,950 rugaragaza ko shoferi yagize uruhare mu mpanuka mu gihe byasobanuwe ko impanuka yatewe na Kaneza bityo indishyi zose zategetswe ku rwego rwa mbere zikaba zikwiye gukurwaho. Ikomeza isobanura ko nta ruhare shoferi yagize muri iyi mpanuka ukurikije uko impanuka yagenze kuko yaba shoferi n’abatangabuhamya Polisi yabajije bose bemeje ko Kaneza yuriye kuri Trailer inyuma igenda kandi bigaragara ko shoferi nta buryo yari afite bwo kubimenya ngo ahagarike ko impanuka iba. Abaregwa bavuga ko impamvu z’ ubujurire nta shingiro zahabwa, kuko raporo yakozwe n’urwego rubifitiye ububasha igaragaza ko impanuka yatewe n’ ubuteganye buke n’ubuteshuke buke byakozwe na n’umushoferi utarazirikishije ikintu gikomeye bigatuma icyuma kica umuntu, ko kuba rero SANLAM ivuga ko nta ndishyi zikwiye gutangwa kuko ngo impanuka yatewe na Kaneza ibyo atari ukuri, ko indishyi zigomba gutangwa kuko impanuka itatewe na Kaneza. Incamake y’icyemezo: Mu gihe uwakorewe impanuka yagize uruhare muri iyo mpanuka kandi umuyobozi w’ikinyabizga akaba ntacyo yakoze ngo abuze ko iyo mpanuka iba, abaregera indishyi bagenerwa 50% y’iziteganywa ku buryozwe bw’impanuka zitewe n’ibinyabiziga bityo n’ ubwo bigaragara ko Kaneza yagize uruhare mu kuba harabaye impanuka, ariko n’ uwari utwaye imodoka ntabwo yakoze ibyo asabwa kugirango impanuka itaba ku bw’ ibyo SANLAM

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AGplc igomba guha abaregwa indishyi zagenwe ku rwego rwa mbere zingana na 50% z’izagombaga gutangwa. Ubujurire bwatanzwe na SANLAM AG PLC nta shingiro bufite. Imikirize y’ urubanza RC 00030/2021/TGI/NYBE ihindutse ku bijyanye n’ indishyi zigenwe mu bujurire. Amategeko yashingiweho: Itegeko No 15/2004 ryo ku wa 12/5/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, ingingo ya 3; 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, 111; Itegeko N°41/2001 ryo kuwa 19/09/2001 ryerekeye imyishyurire y’abangirijwe n’impanuka zitewe n’ibinyabiziga bigenzwa na moteri kandi bigenda ku butaka, ingingo ya 2, 4-10 Itegeko Teka No 32/75 ryo ku wa 7/6/1975 ryerekeye ubwishingizi budakuka ku buryozwacyaha ku birebana n’ibinyabiziga, ingingo ya 3 Iteka rya Perezida N°885/01 ryo ku wa 02/9/2002 rishyiraho amabwiriza rusange agenga imihanda n’uburyo bwo kuyigendamo, ingingo ya 17; Imanza zifashishijwe: RSOCAA 0061/12/CS rwo ku wa 02 Gicurasi 2014 (Icyegeranyo V. 1 - 2015 Mutarama, 2015, p.83) RADA 0025/12/CS rwo ku wa 25 Mata 2014 (Icyegeranyo V. 2 - 2015 Mata, 2015, p.3.). I. IMITERERE Y’URUBANZA [1] Uru rubanza rwatangiriye mu Rukiko Rwisumbuye rwa Nyamagabe Mukankiko Beata na bagenzi be bafite uburenganzira barega SANLAM AG PLC indishyi zikomoka ku mpanuka yakorewe Kaneza Ildephonse , bavuga ko yabaye ku wa 18/10/2020 mu Mudugudu wa Karehe, Akagari ka Ngarurira, Umurenge wa Munini, Akarere ka Nyaruguru, ubwo imodoka ya Mercedes Benz RAC 316 F ifite trailer RL 0930,ifite ubwishingizi muri SANLAM AG Plc, yari itwawe n’ uwitwa Runiga Emmanuel yakomerekeje bikomeye Kaneza Ildephonse ahita apfa,

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basaba indishyi bavuga ko impanuka yatewe n’uburangare n’ubuteganye buke bwa Runiga Emmanuel wari utwaye iyo modoka. [2] Urubanza rwaraburanishijwe, SANLAM AG Plc ivuga ko itaryozwa indishyi zikomoka kuri iyo mpanuka kuko umushoferi nta kosa yakoze, ko ahubwo umwana Kaneza Ildephonse ari we wakoze ikosa yurira kuri trailer y’imodoka akayifataho aturutse inyuma yayo aho shoferi atashoboraga kubona kubera ko imodoka ari ndende, ikiziriko cyari kiziritse ikiraro imodoka zuririraho kigacika kikamukubita arapfa,ariko ko Urukiko rubibonye ukundi hakaba ukugabana uburyozwe( partage de responsabilité), Urukiko Rwisumbuye ruciye urwo rubanza ntirwahaye ishingiro iyo miburanire ya SANLAM AG Plc ruyitegeka kwishyura Mukankiko Beata, Munyaneza Ildephonse, Byiringiro, Dusabimana na Ntezimana Felix igiteranyo cy’indishyi zingana n’amafaranga y’u Rwanda miliyoni ebyiri n’ibihumbi magana atandatu mirongo irindwi na bitanu magana cenda na mirongo itanu (2.675.950 Frws), SANLAM n’ ubundi ijurira igaragaza ko iyo miburanire yirengagijwe ku rwego rwa mbere , abaregwa bo bavuga ko nta shingiro ubujurire bwahabwa . [3] Ibibazo bisuzumwa muri uru rubanza ni ibijyanye na: a. Kumenya niba nta ndishyi zigomba gutangwa kubera ko impanuka yatewe na Kaneza Ildephonse b. Kumenya niba Urukiko Rwisumbuye rwa Nyamagbe rwaremeje ko shoferi Runiga Emmanuel na we yagize uruhare mu guteza mu guteza impanuka mu

gihe bigaragara ko nta ruhare yabigizemo c. Kumenya niba SANLAM igomba gutanga indishyi hiyongereyeho igihembo cy’ Avoka ku rwego rw’ubujurire. II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA  Kumenya nta ndishyi zigomba gutangwa kubera ko impanuka yatewe na Kaneza Ildephonse no kuba Urukiko Rwisumbuye rwa Nyamagbe rwaremeje ko shoferi Runiga Emmanuel na we yagize uruhare mu guteza impanuka mu gihe bigaragara ko nta ruhare yabigizemo [4] Me Rwimo Clotilde uburanira SANLAM AG PLC avuga ko Urukiko Rwisumbuye rwa Nyamagabe rwategetse SANLAM AG kwishyura indishyi zingana na Frw 2,675,950 rugaragaza ko shoferi yagize uruhare mu mpanuka mu gihe byasobanuwe ko impanuka yatewe na Kaneza Ildephonse bityo indishyi zose zategetswe ku rwego rwa mbere zikaba zikwiye gukurwaho, ko kuba Urukiko Rwisumbuye rwa Nyamagabe rwaremeje ko shoferi Runiga Emmanuel na we yagize uruhare mu guteza impanuka bityo rugategeka ko SANLAM AG Plc kwishyura Frw 2,675,950 ahwanye na 50% y’uruhare rwa shoferi w’ikinyabiziga Camionnette Mercedes Benz RAC 316 F/Trailer RL 0930 indishyi , SANLAM AG Plc ibona nta ruhare shoferi yagize muri iyi mpanuka ukurikije uko impanuka yagenze aho, yaba shoferi n’abatangabuhamya Polisi yabajije bose bemeje ko Kaneza Ildephonse yuriye kuri Trailer inyuma igenda kandi bigaragara ko shoferi nta buryo yari afite bwo kubimenya ngo ahagarike ko impanuka iba.

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[5] Akomeza asobanura ko inyandikomvugo y’impanuka yakozwe na polisi igaragaza uburyo impanuka yagenze ikagaragaza ko uyu Kaneza Ildephonse koko yuriye inyuma kuri Trailer y’imodoka igenda ariko hafatwa umwanzuro unyuranye n’uburyo impanuka yagenze, SANLAM AG Plc ikaba isaba Urukiko kubisuzumana ubushishozi igakura uruhare urwo ari rwo rwose ku modoka kuko ibimenyetso byose byashingiweho bigaragaza ko impanuka yabaye biturutse ku gikorwa cyakozwe na Kaneza Ildephonse wuriye inyuma kuri Trailer y’imodoka igenda, ko mu gika cya 10 cy'urubanza rujuririrwa, Urukiko rugaragaza ko rwashyize uruhare kuri shoferi ruvuga ko ategenzuye ikinyabiziga cye mbere yo kugitwara ngo arinde ikomyi iyo ari yo yose yateza impanuka, tukaba tubona atari byo kuko imodoka yarimo igenda noneho Kaneza Ildephonse akayurira igenda kandi ahantu bigaragara ko shoferi atashoboraga kugenzura, bityo agasaba uru Rukiko kuzifashisha urubanza RCA 00324/2020/HC/KIG mu bika byarwo bya 11,12 na 17 aho Urukiko Rukuru rwa Kigali rwagaragaje ko umwana wuriye imodoka igenda nta kindi shoferi yari gukora ngo abuze ko yuririra kuko biba byabaye bitunguranye, bityo bikaba nta buteganye buke bwa shoferi buba burimo, ku bw’ ibyo agasaba Urukiko gukuraho uruhare kuri shoferi w'ikinyabiziga cyishingiwe na SANLAM AG Plc bityo n'indishyi zose zategetswe zigakurwaho kuko amakosa yatewe na Kaneza Ildephonse wuriye imodoka

igenda. [6] Me Habumuremyi Englebert uburanira abaregwa avuga ko impamvu z’ ubujurire nta shingiro zahabwa , ko uburanira SANLAM yakomeje kuvuga ko impanuka yatewe na Kaneza Ildephonse nyamara nk’ uko bagiye babisobanura raporo yakozwe n’urwego rubifitiye ububasha igaragaza ko impanuka yatewe n’ ubuteganye buke n’ubuteshuke buke byakozwe na Runiga Emmanuel utarazirikishije ikintu gikomeye bigatuma icyuma kica umuntu, ko kuba rero SANLAM ivuga ko nta ndishyi zikwiye gutangwa kuko ngo impanuka yatewe na Kaneza Ildephonse ibyo atari ukuri , ko indishyi zigomba gutangwa kuko impanuka itatewe na Kaneza Ildephonse. [7] Asobanura ko bashingiye kuri Raporo y’uko impanuka yagenze igaragaza ko tariki ya 23/02/2019 saa 15h00 mu Mudugudu wa Karehe, Akagari ka Ngarurira, Umurenge wa Munini, Akarere ka Nyaruguru habereye impanuka y’imodoka Camonnette Mercedes Benz RAC 316 F ifite trailer RL 0930 ihetse I machine yaturukaga Ndago yerekeza ku Munini itwawe na Runiga Emmanuel (1966) igeze aho bavuze haruguru abana benshi burira iyo modoka inyuma kuri trailer yayo, ikiziriko kiziritse ikiraro cy’ibumuso zuririraho kiracika cyikubita ku mwana witwa Kaneza Ildephonse (11 ans) ahita apfa., ko kandi raporo ivuga ko hashingiwe ku nyandiko mvugo z’abatangabuhamya, urega ndetse n’uregwa wiyemerera icyaha basanga impanuka yaratewe n’uburangare, ubushishozi buke ndetse n’ubuteganye buke byakozwe na

chauffeur w’imodoka utarazirikishije ikintu gikomeye bigatuma icyuma kica umuntu. Bigaragara ko impanuka itatewe na Kaneza nkuko Sanlam ibivuga. Uko Urukiko rubibona [8] Ingingo ya 3 y’Itegeko No 15/2004 ryo ku wa 12/5/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ko buri muburanyi agomba kugaragaza ukuri kw’ibyo aburana. Naho iya 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 igateganya ko urega

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agomba kugaragaza ibimenyetso by’ibyo aregera yabibura uwarezwe agatsinda. Ibijyanye n’ inshingano y’ urega yo kugaragaza ibimenyetso by’ ibyo aregera n’uko iyo abibuze uwarezwe atsinda binahura n’ ibyemejwe mu manza zinyuranye zaciwe n’ Urukiko rw’ Ikirenga nk’ urubanza RSOCAA 0061/12/CS rwo ku wa 02 Gicurasi 2014 (Icyegeranyo V. 1 - 2015 Mutarama, 2015, p.83) n’ urubanza RADA 0025/12/CS rwo ku wa 25 Mata 2014 (Reba Icyegeranyo V. 2 - 2015 Mata, 2015, p.3.). [9] Uru Rukiko rusanga mu kugena indishyi ku rwego rwa mbere harashingiwe ku kuba Chauffeur wari utwaye imodoka yaragize uruhare mu mpanuka yabaye kuko urwo Rukiko rwasobanuye ko rusanga nkuko byagaragajwe muri accident statement/ procès verbal d’accident yakozwe n’Umugenzacyaha ku mpanuka yakozwe n’imodoka Mercedes benz RAC 316 F na trailer RL 0930 mu Mudugudu wa Karehe, Akagali ka Ngarurira, Umurenge wa Munini mu Karere ka Nyaruguru yabaye ku wa 23/02/2019 saa cyenda z’amanywa, yagaragaje ko: [ “Dushingiye ku mvugo z'abatangabuhamya, urega ndetse n'uregwa wiyemerera icyaha, dusanga impanuka yaratewe n'uburangare,ubushishozi buke ndetse n’ubuteganye buke byakozwe na Chauffeur w’imodoka utarazirikishije ikintu gikomeye bigatuma icyuma cyica umuntu. Bityo akaba atarubahirije ibivugwa n’ingingo ya 17 y’Iteka rya Perezida N°885/01 ryo ku wa 02/9/2002 rishyiraho amabwiriza rusange agenga imihanda n’uburyo bwo kuyigendamo»,

iyi ngingo ya 17 imaze kuvugwa ikaba iteganya ko: “Umuyobozi wese ushaka kugira aho agana ntashobora kubigira atabanje kwiringira ko nabigira ataza gutera ibyago cyangwa ngo abere” ], uru Rukiko rugasanga ntacyavuguruje ibi byasobanuwe by’ umwihariko ibivugwa mu nyandiko mvugo y’ uko impanuka yagenze yakozwe n’ Umugenzacyaha. [10] Urwo Rukiko rwanasanze Kaneza Ildephonse na we yaruriye iyo modoka atabyemerewe na Runiga Emmanuel wari ayitwaye, bikamuviramo urupfu, maze ruvuga ko uruhare yabigizemo rutakwirengagizwa, ko ku bw’ ibyo bigira ingaruka ku rugero rw’indishyi zakagenewe abafite uburenganzira ku bintu bye nk’ uko biteganywa n’ingingo ya 2 y’Itegeko N°41/2001 ryo kuwa 19/09/2001 ryerekeye imyishyurire y’abangirijwe n’impanuka zitewe n’ibinyabiziga bigenzwa na moteri kandi bigenda ku butaka, ko: “ Indishyi zivugwa kuva ku ngingo ya 4 kugeza ku ya 10 z’iri Tegeko zigabanywa hakurikijwe uruhare uwangirijwe yagize mu mpanuka yabaye. Ikosa ry’uwangirijwe ntirimwemerera uruhare ku ndishyi cyangwa abafite uburenganzira ku bintu bye.” Maze urwo Rukiko rusobanura ko, byumvikana ko uruhare rwa nyakwigendera Kaneza Ildephonse mu mpanuka yamuhitanye rutakwirengagizwa kuko na we yuriye imodoka atabiherewe uburenganzira na Runiga Emmanuel wari uyitwaye, ibi bihesha abaregeye indishyi iziri ku kigero cya 50% y’iziteganywa ku buryozwe bw’impanuka zitewe n’ibinyabiziga. [11] Uru Rukiko

rushingiye ku bimaze gusobanurwa, no kubiteganywa n’ ingingo ya 3 (2) y’Itegeko Teka No 32/75 ryo ku wa 7/6/1975 ryerekeye ubwishingizi budakuka ku buryozwacyaha ku birebana n’ibinyabiziga ivuga ko mu byo umwishingizi aryozwa harimo abantu batwawe n’ikinyabiziga yishingiye ndetse n’ibintu gitwaye mu buryo ubwo ari bwo bwose nk’ uko bivugwa mu rurimi rw’igifaransa ko: “L’assurance doit comprendre les dommages causés aux personnes et aux biens par des faits survenus au Rwanda. Elle doit comprendre les dommages causés aux personnes transportées à quelques titre que ce soit par le vehicule ayant occasionné un dommage “, rugasanga nta shingiro ryahabwa ibivugwa n’ uburanira SANLAM AG Plc ko nta ruhare shoferi yagize muri iyo mpanuka ukurikije uko impanuka yagenze aho ashingira ku byavuzwe na shoferi n’abatangabuhamya Polisi yabajije bose bemeje ko Kaneza Ildephonse yuriye kuri Trailer inyuma igenda kandi bigaragara ko

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shoferi nta buryo yari afite bwo kubimenya ngo ahagarike ko impanuka iba, kuko n’ ubwo bigaragara ko Kaneza Ildephonse yagize uruhare mu kuba harabaye impanuka, ariko n’ uwari utwaye imodoka ntabwo yakoze ibyo asabwa kugirango impanuka itaba nk’ uko Urukiko Rwisumbuye rwabisobanuye kandi rufite ukuri kubera ko uru Rukiko rusanga nta kosa rwakoze rubyemeza gutyo , ku bw’ ibyo indishyi zagenwe ku rwego rwa mbere , uru Rukiko rukaba rusanga nta mpamvu n’ imwe muzagaragajwe mu bujurire zirusha ireme ibisobanuwe haruguru.

 Kumenya niba SANLAM igomba gutanga indishyi hiyongereyeho igihembo cya Avoka ku rwego rw’ubujurire [12] Me Habumuremyi Englebert uburanira abaregwa avuga ko ashingiye ku kuba SANLAM ikibasiragiza mu manza, basaba Urukiko kwemeza ko SANLAM yishyura amafaranga y’igihembo cy’avoka ku rwego rw’ubujurire kingana na Miliyoni imwe y’ amafaranga y’ u Rwanda (1,000,000Frw) kuko urubanza rumaze igihe kinini kandi SANLAM ikaba igikomeje gusiragiza umuryango wa Kaneza Ildephonse ndetse n’umwunganizi wabo, bityo bagahabwa izo ndishyi ziyongera kuzo Urukiko Rwisumbuye rwa Nyamagabe rwatanze (2.675.950Frw) hakemezwa ko izo ndishyi zigumaho hiyongeraho igihembo cy’Avoka kingana na miliyoni imwe (1,000,000Frw). [13] Me Rwimo Clotilde uburanira SANLAM AG PLC avuga ko nta ndishyi zatangwa kuko nk’ uko yabisobanuye impanuka yatewe n’ umwana wuriye imodoka bikamuviramo urupfu. [14] Ingingo ya 111 y’Itegeko No 22/2018 ryo ku wa 29/04/2018 ryavuzwe, iteganya ko:" Ikirego cy’amafaranga y’ikurikiranarubanza ari ikirego gishamikira ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza. Ikirego cy’amafaranga y’ikurikiranarubanza kiburanishirizwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikanaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe", iya 152 y’ iryo Tegeko yo igateganya ko uregwa mu Rukiko rujuririrwa ashobora na we kugira ibyo asaba yiregura naho ingingo ya 3

y’Itegeko No 15/2004 ryo ku wa 12/5/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo igateganya ko buri muburanyi agomba kugaragaza ukuri kw’ibyo aburana. Ku bijyanye n’ igihembo cya Avoka, uru Rukiko rusanga ku rwego rw’ ubujurire uregwa afite uburenganzira kuri ½ cy’ igihembo cya Avoka bagenewe ku rwego rwa mbere hashingiwe ku biteganywa n’ingingo ya 33 y’amabwiriza No 01/2014 agenga ibihembo mbonera by’abavoka iteganya ko mu bujurire, avoka w’urega n’uw’uregwa bafite uburenganzira kuri ½ cy’igihembo cyumvikanyweho ku rwego rwa mbere. [15] Hashingiwe kubimaze gusobanurwa, indishyi zijyanye n ‘igihembo cya avoka abaregwa bagomba kwishyurwa na SANLAM AG PLC ari ibihumbi magana abiri na mirongo itanu (250.000 Frws) kuko ayo basaba ari menshi. Ku bw’ ibyo imikirize y’ urubanza RC 00030/2021/TGI/NYBE rwaciwe ku wa18/02/2022 n’ Urukiko Rwisumbuye rwa Nyamagabe ikaba igomba guhinduka ku bijyanye n’ izo ndishyi zigenwe mu bujurire. III. ICYEMEZO CY’URUKIKO [16] Rwemeje ko ubujurire bwatanzwe na SANLAM AG PLC nta shingiro bufite.

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[17] Rwemeje ko imikirize y’ urubanza RC 00030/2021/TGI/NYBE rwaciwe ku wa 18/02/2022 n’ Urukiko Rwisumbuye rwa Nyamagabe ihindutse ku bijyanye n’ indishyi zigenwe mu bujurire. [18] Rutegetse SANLAM AG PLC kwishyura Mukankiko Beata, Munyaneza Ildephonse, Byiringiro, Dusabimana na Ntezimana Felix indishyi zingana n’ amafaranga y’ u Rwanda ibihumbi magana abiri na mirongo itanu (250.000 Frws) yiyongera kuyo bayitsindiye ku rwego rwa mbere, ikayishyura kuva uru rubanza rubaye ndakuka bitaba ibyo agakurwa mu byayo ku ngufu za Leta. [19] Rutegetse ko amafaranga SANLAM AG PLC yatanze ho igarama ijurira ahwanye n’ibyakozwe muri uru rubanza akaba aheze mu isanduku ya Leta.