SANLAM AG PLC v HABIYAREMYE N’ABANDI

SANLAM AG PLC v HABIYAREMYE N’ABANDI

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-12-21 - Case/document no.: RCA00004/2022/HC/KIG - Collection: High Court

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SANLAM AG PLC v HABIYAREMYE N’ABANDI [Rwanda URUKIKO RUKURU- RCA00004/2022/HC/KIG (Kadigwa, P.J.) 21 Ukuboza 2023] Amategeko y’imanza z’imbonezamubano – Indishyi zikomoka ku mpanuka yakozwe n’ikinyabiziga – Kugaragaza ko uwahohotewe n’impanuka yari umukozi kuri icyo kinyabiziga - Kuba mu nyandiko imenyesha impanuka hagaragaza ko uwahohotewe na yo yari umukozi ku kinyabiziga cyamuteje iyo mpanuka, ntibihagije ngo hemezwe ko yari umukozi kuri cyo ahubwo hagomba kugaragazwa ibindi bimenyetso nk’amasezerano y’umurimo yanditse, kuba hari ibimenyetso byerekana ko yamuhembaga buri kwezi cyangwa buri gihe, kuba yishyurirwa umusanzu w’ubwiteganyirize bw’abakozi n’ibindi. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yabaye ikozwe n’ikinyabiziga cyari gifite ubwishingizi bwa SANLAM AG PLC (Sanlam) ihitana Bazambanza wari wicaye mu modoka hejuru wahanutse akagwa mu muhanda hanyuma agapfa. Inyandikomvugo y’impanuka yakozwe na Polisi igaragaza ko yatewe n’ubuteganye bucye n’imiyoborere mibi y’ikinyabiziga byakozwe n’umushoferi, kuko yatwaye umuntu hejuru y’imizigo yari apakiye atizeye ko umutekano we udashobora guhungabana. Abafite uburenganzira ku ndishyi aribo Nyiranyenzi na bagenzi be bandikiye umwishingizi basaba ko bahabwa indishyi ariko ntibumvikana batanga ikirego mu Rukiko Rwisumbuyte rwa Nyarugenge basaba guhabwa indishyi zitandukanye. Urukiko rwageneye abarega

indishyi zinyuranye ariko Sanlam ntiyanyurwa ijuririra urwo rubanza mu Rukiko Rukuru ivuga ko Nyakwigendera yari umukozi ku kinyabiziga yagiriyeho impanuka ko akwiye guhabwa indishyi hagendewe ku masezerano y’ubwishingizi aho umwe mu bishingiwe (occupant) ugize impanuka igatera urupfu agomba guhabwa 3.000.000 frw. Urukiko Rukuru rwakiriye ubwo bujurire maze rusuzuma ikibazo cyo kumenya niba mu kugena indishyi Urukiko rwari gushingira ku masezerano y’ubwishingizi cyangwa kw’ Iteka rya Perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi zikomoka ku mpanuka zitewe n’ibinyabiziga. Urega mu bujurire asobanura ko nyakwigendera yari umukozi ku kinyabiziga yakoreyeho impanuka kuko yari kigingi wayo bityo akaba akwiye kubarirwa indishyi hagendewe ku masezerano y’ubwishingizi bw’icyo kinyabiziga dore ko no mu nyandiko imenyesha impanuka yakozwe na nyiri kinyabiziga yavuze ko uwahohotewe n’impanuka yari kigingi kuri iyo modoka. Akomeza avuga ko abaregera indishyi batagaragaza ibimenyetso by’uko bari batunzwe na nyakwigendera badashobora guhabwa indishyi mbangamira bukungu. Abafite uburenganzira ku ndishyi bo bavuga ko muri ayo masezerano Sanlam ivuga hatagaragaramo Bazambanza kandi ko itabasha kwerekana ibimenyetso bihamya ko nyakwigendera yari umukozi kuri iyo modoka ko uretse gushingira ku nyandiko imenyesha impanuka, nta kindi kimenyetso igaragaza

nk’amasezerano y’akazi, aho yamuhemberaga buri kwezi n’ibindi. Incamake y’icyemezo: Kuba mu nyandiko imenyesha impanuka hagaragaza ko uwahohotewe na yo yari umukozi ku kinyabiziga cyamuteje iyo mpanuka, ntibihagije ngo hemezwe ko yari umukozi kuri cyo ahubwo hagomba kugaragazwa ibindi bimenyetso nk’amasezerano y’umurimo yanditse, kuba hari ibimenyetso byerekana ko yamuhembaga buri kwezi cyangwa buri gihe, kuba yishyurirwa umusanzu w’ubwiteganyirize bw’abakozi n’ibindi. Bityo, ibivugwa na Sanlam nta

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shingiro bifite kuko nta bimenyetso igaragaza ko uwahohotewe yari umukozi ku modoka yamuhitanye. Ubujurire bufite ishingiro kuri bimwe. Amategeko yashingiweho: 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 Urubanza I. IMITERERE Y’URUBANZA [1] Inkomoko y’uru rubanza ni impanuka yabaye ku wa 22/03/2021 mu mudugudu wa Giticyinyoni, mu kagari ka Nyabugogo, umurenge wa Kigali, akarere ka Nyarugenge yakozwe n'imodoka RAC 192 F yari itwawe n’uwitwa Uwiduhaye Emmanuel ifite ubwinshingizi muri Sanlam AG PLC, iyo mpanuka ikaba yarateye urupfu rwa Bazambanza Assiel wari hejuru y’imodoka ahubuka ku modoka anyuze ibumoso bwayo ku ruhande rw’aho shoferi yicara yikubita hasi agwa muri rigori ahita apfa. [2] Ibivuzwe haruguru bigaragazwa n’inyandikomvugo ya Polisi ishami rishinzwe umutekano wo muhanda isobanura ko iyi mpanuka yatewe na shoferi Uwiduhaye Emmanuel ku bw’ubuteganye bucye n’imiyoborere mibi y’ikinyabiziga yaro atwaye, agatwara umuntu hejuru y’imizigo yari apakiye atizeye ko umutekano we udashobora guhungabana. [3] Abafite uburenganzira ku ndishyi zikomoka kuriyo mpanuka aribo Nyiranyenzi Victoire na bagenzi be bandikiye umwishingizi SANLAM AG Ltd basaba ko bahabwa indishyi zikomoka kuri iyo mpanuka ku bwumvikane birananirana,

bahitamo kugana Urukiko. [4] Mu rubanza RC 00536/2021/TGI/NYGE Nyiranyenzi Victoire na bagenzi be batanze ikirego basaba ko SANLAM AG Ltd itegekwa kubishyura indishyi z’ibangamirabukungu kuko nyakwigendera ariwe wari utunze umubyeyi we, indishyi z’ibangamiramuco ku mubyeyi wa nyakwigendera n’abavandimwe be no gusubizwa amafaranga yakoreshejwe akurikirana dosiye ye y’impanuka mu bwishingizi no mu rukiko. [5] Sanlam Assurances Generales PLc yireguye isobanura ko yemeranywa n’abaregera indishyi ko iriya mpanuka yabayeho igahitana Bazambanza Assiel ariko ko mu masezerano y’ubwishingizi hari hateganijwe ko mu gihe umwe mu bishingiwe (occupant) agize impanuka igatera urupfu agomba guhabwa 3.000.000 frw, bityo Sanlam AG PLC ikaba isanga ariyo yakwishyurwa nk’uko amasezerano abiteganya, ibyo ibishingira kuko ngo Bazambanza Assiel yari umukozi ku modoka yamuteje impanuka/kigingi akaba ngo yari mu bafatiwe ubwishingizi na nyiri iyo modoka yateje impanuka.

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[6] Mu guca urubanza Urukiko rwemeje ko ikirego cy’abarega bose gifite ishingiro kuri bimwe, rutegeka Sanlam Assurances Generales PLc mu izina ry’umuyobozi wayo guha umwana wa nyakwigendera Bazambanza Assiel ariwe Munezero Christian ahagarariwe na nyina Nyirabasigayabo Vanisi, indishyi mbangamirabukungu zingana na 6.792.595 Frw n’indishyi z’ibangamiramuco zingana na 810.000 frw, yose hamwe akaba ari 7.602.595 frw, ruyitegeka guha Nyiranyenzi Victorie umubyeyi wa nyakwigendera Bazambanza Assiel, indishyi z’ibangamiramuco zingana n’amafaranga y’u Rwanda n’ibihumbi magana inani na cumi (810.000); ruyitegeka guha abavandimwe ba nyakwigendera Bazambanza Assiel uko ari 7 indishyi mbangamiramuco zingana n’amafaranga y’u Rwanda miliyoni eshatu n’ibihumbi magana arindwi na mirongo inani (3,780,000 frw), ni ukuvuga amafaranga ibuhumbi magana atanu na mirongo ine (540.000 frw) buri wese, ruyitegeka guha abaregera indishyi amafaranga yakoreshejwe kubera urupfu rwa Bazambanza Assiel angana n’ibihumbi magana atandatu na bibiri (602.000 frw) n’amafaranga ibihumbi magana atandatu (600.000 frw) y’igihembo cy’avoka n’ikurikiranarubanza, ruyitegeka guha abarega amafaranga yose hamwe angana na miliyoni cumi n’eshatu ibihumbi magana atatu na mirongo cyenda na bine na magana atanu na mirongo cyenda n’atanu (13.394.595 frw). [7] SANLAM AG Ltd ntiyanyuzwe n’icyo cyemezo ikijuririra muri uru Rukiko

Urukiko ivuga ko rwirengagije ibimenyetso yatanze, no kuba rwaratanze indishyi zinyuranye hatitawe ku bikubiye mu masezerano y’ubwishingizi ndetse no kw’ Iteka rya Perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi zikomoka ku mpanuka zitewe n’ibinyabiziga. [8] SANLAM AG Ltd yavuze kandi ko mu gihe Urukiko rwari kubibona ukundi (A titre subsidiaire) ngo rwari kuba rwaragennye ko indishyi mbangamirabukungu zatangwa hashingiwe ku ngingo ya 22, igika cya 4 y’Iteka rya Perezida ryo 2003, ibi bibazo bikaba aribyo bigomba gusuzumwa muri uru rubanza hagasuzumwa muri uru rubanza, hagasuzumwa n’ikibazo cy’indishyi z’ibyatanzwe ku rubanza zasabwe na buri ruhande mu babauranyi. II. ISESENGURA RY’IBIBAZO BIRI MURI URU RUBANZA Gusuzuma niba mu kugena indishyi Urukiko rwari gushingira ku masezerano y’ubwishingizi cyangwa kw’ Iteka rya Perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi zikomoka ku mpanuka zitewe n’ibinyabiziga. [9] Uhagarariye Sanlam avuga ko mu miburanire ya Sanlam AG PLC ku rwego rwa mbere, yagaragaje ko indishyi zatangwa hashingiwe ku masezerano y’ubwishingizi aho bafashe ubwishingizi bwo gutwara imizigo (transport des marchandises), hafatwa n’ubwishingizi bw’abantu 3, hagatangwa 3.000.000 frw mu gihe yaba ahitanywe n’impanuka cyangwa se 3.000.000 frw abarirwa ku ngano y’ijanisha ry’ubumuga (%) iyo mpanuka yamutera. [10] Sanlam ivuga ko Bazambanza Assiel wahitanywe n’iriya mpanuka yari umukozi ku modoka yamuteje impanuka (Kigingi) ngo ikabishingira ku nyandiko ya declaration yakozwe na nyiri modoka witwa Uwiduhaye Emmanuel, ndetse n’inyandiko mvugo y’impanuka yakozwe n’abapolisi byose bigaragaza ko yakoraga kuriyo modoka (Kigingi).

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[11] Uhagarariye SANLAM AG Plc kandi yagaragaje ko yasabye Urukiko rubanza ko mu buryo bwo gutanga ubutabera hahamagazwa umutangabuhamya witwa Nzayisenga Elie wari nyir’imodoka ngo asobanure neza niba Bazambanza Assiel yari Kigingi w’iyo modoka, ahamagajwe ntiyitaba, SANLAM igasanga Urukiko rwari gukoresha ubundi buryo agategekwa kwitaba cyangwa agahabwa ibihano by’abanze kwitaba Urukiko, ngo nyamara Urukiko rwihutiye kuburanisha uwo mutangabuhamya atabonetse kandi yari gutanga umucyo kuri icyo kintu. [12] Sanlam AG PLC mu miburanire yayo yagaragaje ko uwahitanwe n’impanuka yari kigingi nyamara ngo Urikiko ntacyo rwigeze rubivugaho ngo rugaragaze impamvu runenga ibikubiye muri iyo declaration yakozwe mu nyandiko, bagasanga ibikubiye mu buhamya bwa Declaration bigaragaza ko uwahitanywe n’impanuka yari kigingi bwari gushingirwaho Urukiko rufata icyemezo rugategeka ko hatangwa indishyi zivugwa mu masezerano y’ubwishingizi SANLAM AG Plc yagiranye na Nyiri modoka, ibyo ngo bikaba biteganywa mu ngingo ya 64 y’Itegeko N°45/2011 ryo ku wa 25/11/2011 rigenga amasezerano, kuko ngo amasezerano y’ubwishingizi yarimo ubwishingizi bwo gutwara imizigo (transport des marchandises), no gutwara abantu 3. [13] Ashingiye ku masezerano y’ubwishingizi uburanira SANLAM AG PLC avuga ko mu gihe uri mu modoka yakora impanuka yagombaga kwishyurwaho 3.000.000 frw mu gihe yaba ahitanywe n’impanuka, cyangwa

se 3.000.000 frw abarirwa ku ngano y’ijanisha ry’ubumuga (%) iyo mpanuka yamutera, ibyo ngo kuba ku rwego rwa mbere Urukiko rwarabyirengagije ni ikosa asaba ko rikosorwa kuri uru rwego rw’ubujurire. [14] Uhagarariye SANLAM AG PLC asoza avuga ko kuba Urukiko rwaratanze indishyi nk’aho uwakoze impanuka yari umugenzi (passenger) asanga ari amakosa akomeye yakozwe mu ica ry’urubanza, cyane cyane ko iyo modoka itagenewe gutwara abagenzi (passengers), bityo ngo abaka indishyi babe babishingiraho bagaragaza ko nyakwigendera yari umugenzi ngo babitangire n’ibimenyetso, agasaba ko byakosoka hagashingirwa ku masezerano y’ubwishingizi bagaragaje haruguru. [15] Uhagarariye Habiyaremye Innocent; Munyembaraga Alphonse; Mudaheranwa Laurent; Munyeshema Jackson; Nshimubwayo François; Nyirabasigayabo Vanisi; Nyirahabineza Verena; Nyiranyenzi Victorie; Uwamahoro Emeritha avuga ko nk’uko uhagarariye Sanlam abivuga ngo ibaruwa Nzayisenga yabandikiye, aha twakwibaza niba iyo impanuka ibaye nyir’imodoka yandikira umwishingizi cg akora declaration kuri Formulaire yabugenewe iba iri kuri Assurance. Akomeza avuga ko basanga icyo bita declaration nta cyabaye kuko declaration uko ikorwa bizwi, ntikorwa mu ibaruwa nk’uko bo bashaka kubyumvisha Urukiko kandi atariko biri. [16] Uhagarariye abaregwa avuga ko ku kijyanye no gutumiza umutangabuhamya Nzayisenga Elie bavuga ko Urukiko rutahaye agaciro, asanga nta

kuri kurimo kuko Urukiko rwatanze ihamagara ritumiza uyu Nzayisenga Elie ndetse Urukiko ruramuhamagara kuri telephone ye ngo rwongere kumumenyesha ibyo kuza gusobanura iby’uriya muntu wapfuye atwawe mu modoka ye, ntiyitaba bagasanga nta cyo Urukiko rwagombaga gukora rutakoze ku buryo wavuga ko rwihutiye kuburanisha uru rubanza n’inshuro zose rwari rwimuwe. [17] Uhagarariye abaregwa mu bujurire akomeza avuga ko nta hantu na hamwe Bazambanza Assiel agaragara mu masezerano kuko Sanlam ntirabasha kugaragaza ko uyu yari umukozi wa nyir’imodoka yamuhitanye, bityo rero ngo gushaka kumushyira mu masezerano adafite aho

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ahuriye nayo kugira ngo gusa atagenerwa ibyo amategeko amwemerera byaba ari ikibazo gikomeye, bikaba bitagomba guhabwa agaciro. [18] Uhagarariye abaregwa mu bujurire asobanura kandi ko iyo urebye n’ibyo uhagarariye Sanlam nawe ubwe yishyiriye mu mwanzuro kuri iyi ngingo, ngo avuga ko hatangwa 3.000.000 frw ateganywa mu masezerano mu gihe hari umugenzi uhitanywe n’impanuka itewe n’imodoka ivugwa mu masezerano y’ubwishingizi, asanga atari ukuri ndetse binagaragaza ko nabo ubwabo bemera ko yari umugenzi, akaba yarahitanywe n’imodoka bafitanye amasezerano none hakaba hagomba gutangwa 3.000.000 ariko siko biri kuko bitandukanye kure n’ibyo itegeko riteganya, kubw’iyzo mpamvu akaba asaba ko uru Rukiko rutegeka ko nta gihinduka ku mikirize y’urubanza rwajuririwe kuko iyo mikirize ihwanye neza n’ibiteganywa n’amategeko.

UKO URUKIKO RUBIBONA [19] Ku bijyanye n’iki kibazo, Uru Rukiko rusanga kuba SANLAM ishaka ko nyakwigendera wahitanwe n’impanuka afatwa nk’aho yari umukozi (Kigingi) wari usanzwe akora ku modoka yamuteje impanuka, nta gaciro byahabwa kuko amasezerano y’umurimo aba afite ibimenyetso ashingiyeho nko kuba uyu wahitanwe n’impanuka yari afitanye na nyiri imodoka amasezerano y’umurimo yanditse, kuba hari ibimenyetso byerekana ko yamuhembaga buri kwezi cyangwa buri gihe baba barumvikanyeho, kuba hari ibimenyetso by’uko yishyurirwaga umusanzu w’ubwiteganyirize bw’abakozi etc. kandi ibyo bimenyetso byose nta na kimwe SANLAM yabashije kugaragariza uru Rukiko ndetse n’Urukiko rwaciye uru rubanza ku rwego rwa mbere. [20] Kuba SANLAM AG Ltd ishingira ku byanditswe mu nyandikomvugo y’impanuka n’inyandikobwite yise ‘’declaration’’ ya nyiri imodoka yateje impanuka mu kwemeza ko uwahitanywe n’iyo mpanuka yari umukozi ku modoka yamuteje impanuka kugirango imugenere indishyi zivugwa mu masezerano y’ubwishingizi mu mwanya wo kuzishingira ku Iteka rya Perezida ryamaze kuvugwa, uru Rukiko rusanga ari uburyo bwo kujijisha Urukiko kuko, nk’uko byamaze gusobanurwa haruguru uwahitanwe n’impanuka abaye koko yari umukozi ku modoka yamuteje impanuka, SANLAM AG Ltd yakabaye ibitangira ibimenyetso biteganywa n’amategeko bigaragaza amasezerano y’umurimo, atari amagambo gusa. [21] Kuba SANLAM AG Ltd inenga

Urukiko rwaciye uru rubanza ku rwego rwa mbere ko rutahamagaje mu rubanza nyiri imodoka yateje impanuka yahitanye Bazambanza Assiel, uru Rukiko rusanga n’ubwo Urukiko rwakoze ibishoboka byose ngo yitabe ariko bikarangira atitabye, nta n’icyo byari kuyirengeraho keretse iyo aza agaragaza amasezerano y’umurimo bari bafitanye cyangwa ikimenyetso cy’uko yamuhembaga buri kwezi nk’umukozi we cyangwa akagaragaza ko yamwishyuriraga imisoro ku murimo n’ubwitegayirize bw’abakozi, byongeye kandi bikaba bitaba mu nshingano z’Urukiko gushakira ababuranyi ibimenyetso ahubwo urega ariwe uba ugomba kugaragaza ibimenyetso by’ibyo aregera, muri uru rubanza iyo nshingano ikaba ireba SANLAM AG Ltd. [22] Rushingiye kubimaze kuvugwa byose, uru Rukiko rusanga indishyi muri uru rubanza zitaragombaga kugenwa hashingiye ku masezerano y’ubwishingizi kuko nta kigaragaza ko uwahitanwe n’impanuka ari mu barebwa n’amasezerano y’ubwishingizi, ahubwo yarahohotewe n’impanuka nk’undi muntu wese wigendera, bityo akaba yaragombaga guhabwa indishyi hashingiwe ku iteka rya Perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo

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kwishyura indishyi zikomoka ku mpanuka zitewe n’ibinyabiziga nk’uko byamejwe n’Urukiko rwaciye uru rubanza ku rwego rwa mbere, icyemezo cyarwo kuri iyi ngingo y’ubujurire kikaba kigomba guhamaho. Gusuzuma niba indisyi zatanzwe arizo koko zari zikwiriye gutangwa [23] Uburanira SANLAM avuga ko mu gihe uru Rukiko rwasanga koko uwahitanwe n’impanuka atagomba gufatwa nk’uwri umukozi ku modoka yateje iyo mpanuka (kigingi), abafite uburenganzira ku ndishyi mbangamirabukungu bazibarirwa habanje kugaragazwa ibimenyetso by’uko koko uwahitanwe n’impanuka yari abatunze nk’uko Ingingo ya 22 igika cya 4 y’ Iteka rya Perezida no 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kw1shyura indishyi ku bubabare bw'umubiri buturutse ku mpanuka zitewe n’ibinyabiziga ibiteganya bityo ngo buri wese mu baregera indishyi agahabwa izingana na 3.000 frw x 30 x 12 = 1.080.000 frw kuko ntakigaragaza ko uwahitanwe n’impanuka hari umurimo uzwi yagiraga wabashaka kumwinjiriza umusaruro, bityo indishyi zikaba zaragombaga kubaririwa ku mushahara muto ntarengwa wemejwe n’inkiko. [24] Uburanira abaregwa mu bujurire we yisobanura avuga ko imiburanire ya SANLAM itahabwa agaciro ngo kuko uwahitanwe n’impanuka Bazambanza Assiel atagombaga gufatwa nk’umuntu utagira icyo akora kizwi byatuma abafite uburenganzira ku ndishyi zikomoka ku mpanuka bazibarirwa hashingiwe ku mushahara muto ntaregwa, ngo kuko yari umugabo

ufite umugore n’umwana yari atunze abana nabo mu rugo, akaba yari afite umutungo yinjiza kugirango atunge umuryango we. [25] Uburanira abaregwa mu bujurire akomeza asaba uru Rukiko gutesha agaciro imiburanire ya SANLAM kuri iki kibazo cy’indishyi z’imbangamiramutungo ngo kuko itigeze igaragaza ko yari izi nyakwigendera wahitanwe n’impanuka ngo imenye n’uko yari abayeho we n’umuryango we, bityo ikaba itamwitiranya n’umuntu utagira umusaruro uzwi byatuma abafite uburenganzira ku ndishyi bazibarirwa ku rugero rw’umushara muto ntarengwa wemewe n’amategeko, ngo bihabwe ishingiro. Uko uru Rukiko rubibona [26] Ku bijyanye n’iki kibazo, uru Rukiko rusanga uwahitanwe n’impanuka Bazambanza Uzziel nta kimenyetso abaregera indishyi bagaragaza cyerekana ingano nyakuri y’umutungo yinjizaga waherwaho mu kubabarira indishyi, bityo indishyi mbangamirabukungu zagombaga guhabwa umwana we Munezero Christian zikaba zigomba kubarirwa ku mushahara muto ntarengwa washyizweho n’inkiko ungana na 3.000 frw ku munsi, zikabarwa kandi hashingiwe ku ngingo ya 22 igika cya 4 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, umwana yasize akaba agomba guhabwa 3.000 frw x 30 x 12 = 1.080.000 frw. [27] Uru Rukiko rusanga kandi kuba byaragaragaye ko uwahitanwe n’impanuka Bazambanza Uzziel yari afite umugore n’umwana babana mu rugo ari ikimenyetso cy’uko yari atunze umwana we kuko nta kindi kimenyetso kibivuguruza cyatanzwe yenda ngo bigaragare ko atamureraga akaba yararerwaga n’abandi, bityo ibivugwa na SANLAM ko uyu mwana nta ndishyi akwiriye guhabwa bikaba nta gaciro yahabwa nta n’ishingiro bifite. Indishyi z’ibyatanzwe ku rubanza

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[28] Ku bijyanye n’iki kibazo, uru Rukiko rusanga muri uru rubanza nta ndishyi z’ibyatanzwe ku rubanza zigomba gutangwa kuko buri wese mu baburanyi hari aho rusanga imiburanire ye ifite ishingiro ahandi ikaba nta shingiro ifite nk’uko byasobanuwe haruguru, buri muburanyi akaba agomba kwirengera ikiguzi cy’ibyo yatanze kuri uru rubanza. ICYEMEZO CY’URUKIKO [29] Urukiko Rukuru Rwemeje kwakira ubujurire bwatanzwe na SANLAM rubusuzumye rusanga bufite ishingiro kuri bimwe; Rutegetse ko indishyi mbangamirabukungu umwana wasizwe na nyakwigendera Bazambanza Uzziel witwa Munezero Christian agomba guhabwa na SANLAM ari 3.000 frw x 30 x 12 = 1.080.000 frw; Rutegetse ko ku bindi imikirize y’urubanza rwajuririwe RC 00536/2021/TGI/NYGE rwaciwe kuwa 24/05/2022 ihamaho Rutegetse ko igarama ryatanzwe rihera mu isanduku ya Leta.