SANLAM v KAYIREBWA

# SANLAM v KAYIREBWA

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-11-03 - Case/document no.: RCA 00073/2022/HC/NYZ - Collection: High Court

## Text

## Page 1

SANLAM Assurance Générales Plc v KAYIREBWA [Rwanda URUKIKO RUKURU - RCA 00073/2022/HC/NYZ (Badara, P.J.) 3 Ugushyingo 2023] Amategeko agenga imanza z’imbonezamubano – Imanza z’indishyi – Indishyi zikomoka ku mpanuka – Indishyi mbangamirabukungu – Ibimenyetso bisabwa uwahohotewe - Nta bindi bimenyetso bisabwa uwahohotewe usaba indishyi mbangamirabukungu zibarwa hashingiwe ku mushahara yahembwaga mu gihe yerekanye ibimenyetso by’uko yakoraga. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yakozwe n’imodoka ifite ubwishingizi bwa Sanlam Assurance Générales (Sanlam) yari itwawe na Bikorimana igonga moto byari mu kerekezo kimwe hakomerekeramo Kayirebwa wasigaranye ubumuga bunga na 45%. Kayirebwa yasabye umwisngizi indishyi ku bwumvikane ariko ntiyazihabwa bituma atanga ikirego mu Rukiko Rwisumbuye rwa Huye asaba indishyi. Uregwa yajuririye icyi cyemezo mur Rukiko Rukuru avuga ko indishyi mbangamirabukungu zitagombaga kubarirwa ku mushahara ahubwo ko zari kubarirwa kuri SMIG. Urukiko rwakiriye ubwo bujurire rusuzuma ikibazo cyo kumenya niba Kayirebwa yagenerwa indishyi mbangamirabukungu zibariye kuri SMIG ya 3000 frw. Sanlam ivuga ko kuba Kayirebwa agaragaza amasezerano y’akazi yerekana ko azajya ahembwa 300.000 frw ariko ntagaragaze ko ibindi bikubiye mu masezerano bijyanye no kuba harishyuwe umusoro, ubwishingizi bwo kwivuza, uwo mushahara nta kigaragaza ko yawuhembwaga koko. Kayirebwa we asobanura ko yagaragaje amasezerano y’akazi arimo ko ahembwa Frw 300.000 ndetse anerekana n’icyemezo cy’umushahara akaba asanga ibyo bimenyetso bihagije mu kwemeza umushahara yahembwaga. Incamake y’icyemezo: Nta bindi bimenyetso bisabwa uwahohotewe usaba indishyi mbangamirabukungu zibarwa hashingiwe ku mushahara yahembwaga mu gihe yerekanye ibimenyetso by’uko yakoraga bityo ibivugwa na Sanlam nta shingiro bifite kuko bitareba umukozi, indishyi mbangamirabukungu zihabwa Kayirebwa zikaba zigomba kubarwa hagendewe ku mushahara wagaragajwe mu masezerano y’akazi. Ubujurire bwatanzwe 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 18, 19. Urubanza I. IMITERERE Y’URUBANZA

## Page 2

[1] Tariki ya 20/07/2020, habaye impanuka y’imodoka Mercedes Benz RAB 815I yabereye mu mujyi wa Kigali, Akarere ka Nyarugegenge, Umurenge wa Muhima, Akagali ka Kabeza, iyo modoka ikaba yari itwawe na Bikorimana Jean wavaga i Nyamirambo yerekeza kuri rond-point ville igonga moto BAJAJ Boxer BM 150 RE880I bari mu cyerekezo kimwe, hakomerekeyemo Kayirebwa Ketiah bimusigira ubumuga buhoraho bungana na 45%. Kayirebwa Ketiah yashyikirije umwishingizi (SANLAM) dossier kugira ngo yishyurwe indishyi mu bwumwikane ariko SANLAM yanga ubwumvikane. [2] Kayirebwa Ketiah yatanze ikirego mu rukiko rwisumbuye rwa Huye asaba indishyi zikomoka ku mpanuka yakomerekeyemo Kayirebwa Ketiah ikamusigira ubumuga buhoraho bwa 45%. [3] Me Nzabihimana Jean Claude uhagarariye SANLAM AG PLC avuga ko kuwa 20/07/2020 habayeho impanuka y’ikinyabiziga cyari gifite ubwishingizi bwa Sanlam AG Plc yasigiye Kayirebwa Ketiah ubumuga buhoraho bungana na 45% ndetse n’ibangamira ry’uburanga ringana na 3/6, ubwumvikana bukaba butabashije kuba bitewe nuko Me Nyiramongi Valérie uhagarariye Kayirebwa Ketiah yashakaga kubarira indishyi ku mushahara ungana na 300.000frw ku kwezi kandi nta bimenyetso bihari bigaragaza ko yawuhembwaga koko, kuko atanyujijwe kuri konti, akaba nta n’imisanzu ya RRA na RSSB yigeze atangirwa, asaba ko indishyi zibarirwa hashingiwe kuri SMIG ya 3000frw kandi hagatangwa indishyi zatangiwe ibimenyetso gusa. [4] Mu rubanza RC 00104/2021/TGI/HYE rwaciwe kuwa 01/12/2022 n’urukiko rwisumbuye rwa Huye rwemeje ko SANLAM AG PLCb igomba kwishyura Kayirebwa Ketiah indishyi zikurikira : indishyi y’ibangamirabukungu ingana n’amafaranga y’u Rwanda miliyoni cumi n’enye ibihumbi magana cyenda na cumi na bibiri na magana abiri na cumi n’abiri (14.912.212FRW), indishyi z’ibangamira ry’uburanga zingana n’amafaranga y’u Rwanda ibihumbi magana abiri na cumi na bitandatu (216.000frw), indishyi z’akababaro zingana n’amafaranga y’u Rwanda miliyoni imwe n’ibihumbi mirongo inani (1.080.000frw), indishyi z’ibangamira ry’uburambe mu kazi zingana n’amafaranga y’u Rwanda miliyoni imwe n’ibihumbi mirongo inani (1.080.000frw), indishyi y’ibyakoreshejwe mu kwivuza no kugura ibyangombwa/ibyemezo bitandukanye zingana n’amafaranga y’u Rwanda ibihumbi magana inani na makumyabiri na bitandatu na magana inanani na mirongo inani (826,880frw), indishyi z’ikurikiranarubanza zingana n’amafaranga ibihumbi magana atanu (500.000frw), n’igihembo cy’avocat kingana n’amafaranga y’u Rwanda miliyoni imwe (1000.000frw), indishyi zose hamwe zikaba zingana na miliyoni cumi n’icyenda ibihumbi magana atandatu na cumi na bitanu n’amafaranga mirongo cyenda n’abiri (19.615.092frw). Rutegeka kandi SANLAM AG PLC gusubiza Kayirebwa Ketiah amafaranga ibihumbi makumyabiri (20.000frw) yatanzeho ingwate y’amagarama, bigakorwa mu gihe kitarenze ukwezi kumwe kuva uru rubanza rubaye ndakuka. [5] Mu gufata icyo cyemezo, urukiko rwasuzumye amasezerano y’akazi yo kuwa 06/01/2020 hagati ya X-TIGI RUBC Ltd na Kayirebwa Ketiah rusanga ayo masezerano agaragaza ko uyu ahembwa amafaranga ibihumbi magana atatu (300.000frw) ku kwezi, ibyo bikaba ari ukuri kuko kugeza ubu nta kindi kimenyetso gihari kibivuguruza. Kuba Me Nzabihimana Jean Claude uhagarariye SANLAM AG PLC avuga ko ayo mafaranga atigeze atangirwa imisanzu muri RRA no muri RSSB, ibyo nta shingiro bifite kuko kudatanga iyo misanzu bidatesha agaciro ayo masezerano yakozwe ku buryo bukurikije amategeko, ikindi ni uko no kuba Kayirebwa Ketiah

## Page 3

adahemberwa kuri compte, nabyo ntibishobora kuba impamvu itesha agaciro ariya masezerano, kuko kudahemberwa kuri compte bitabujijwe, kandi ikitabujijwe kiba cyemewe. [6] Mu myanzuro y’ubujurire no mu miburanire, Uhagarariye SANLAM avuga ko isesengura ryakozwe n’urukiko siryo kuko amasezerano y’akazi niba koko ari itegeko ku bayagiranye mu gihe bayakoze mu buryo bukurikije amategeko agomba kubahirizwa mu ngingo zayo zose, bityo ingingo zigaragara muri ayo masezerano zivuga ko hazajya hishyurwa imisanzu ya RSSB ndetse n’imisoro ya RRA, zakabaye nazo zarubahirijwe zikagaragarizwa n’ibimenyetso naho ubundi aya yaba ari amasezerano ya baringa yo gushaka kubyaza inyungu ibyo badafitiye uburenganzira. Ntacyakwemeza ko uwo mushahara ari ukuri. Urukiko rwirengagije ko Kayirebwa Ketiah yagaragaje amasezerano afite y’akazi yerekana umushahara agomba kwinjiza ariko ntiyashobora kugaragaza ibimenyetso byemewe n’amategeko bishimangira umusaruro yinjiza harimo n’imisanzu ya RSSB ndetse n’umusoro wa RRA. Urukiko rushingira kumasezerano gusa ariko ntirwita ku kuba atarashoboye kugaragaza umusaruro yinjiza nikigaragaza ko yawinjije. [7] Mu rubanza rujuririrwa SANLAM yagaragaje ko ibimenyetso Kayirebwa Ketiah yatanze aribyo amasezerano y’akazi na attestation de salaire agaragaza ko koko yahembwaga amafaranga 300,000 Frw ku kwezi agahemberwa kuri compte No 4003211145484 iri muri Equity Bank hamaze kuvanwaho imisoro n’imisanzu ya RSSB, ariko hakaba nta kimenyetso na kimwe kigaragaza ko koko uwo mushahara wigeze unyuzwa kuri iyo compte cyangwa ngo abe agaragaza aho yishyuriwe imisanzu ya RSSB ndetse n’imisoro ya RRA ivugwa muri ayo masezerano. Kuba Umwunganizi wa Kayirebwa Ketiah yasubije ko nta misanzu yigeze atangirwa ko kandi atahemberwaga kuri banki nk’uko bigaragazwa muri email yo kuwa 24/11/2021, akaba ariyo mpamvu SANLAM isanga ariya masezerano nta shingiro yahabwa kuko atari ikimenyetso cyashingirwaho. Aho rero niho SANLAM AG PLC ihera ivuga ko ntakigaragaza ko Kayirebwa Ketiah yishyurwa umushahara wa 300,000 frw nk’uko abivuga SANLAM AG PLC ikaba itabona aho urukiko rwashingiye rwemeza ko umushahara uvugwa muri ariya masezerano ya baringa yawinjizaga koko kuko inyandiko za RSSB cyangwa RRA nizo zonyine zishobora kwemeza ko koko uriya mushahara yawishyurwaga bikaba ibimenyetso bidashidikanywaho byemeza umusaruro umuntu yinjiza, bityo urukiko rujuririwe gukosora ayo makosa izi ndishyi zikabarirwa kuri SMIG ya 3.000Frw ku munsi, zikabarwa mu buryo bukurikira : 3,000 x 30 x 12 x 1 = 1,080,000 Frw. [8] Uhagarariye SANLAM akomeza avuga ko Urukiko rutagakwiye kugendera ku kuba Kayirebwa Ketiah agaragaza ko yari afite akazi bihagije ko yatsindira indishyi z’uburambe mu kazi ahubwo urukiko rwashingira ku musaruro Kayirebwa Ketiah yinjiza kuko niwo wemeza ko umuntu yakoze mugihe utagaragazwa neza aho watangiwe rero indishyi z’uburambe mu kazi zitagakwiye gutangwa. Urukiko Rwemeje ko atsindiye indishyi z’uburambe mukazi rugendeye kukigereranyo cy’ubumuga yasigiwe n’impanuka kuko byagaragariraga urukiko ko atagishoboye kwikorera nk’uko bisanzwe, rwirengangiza ko Kayirebwa Ketiah atagaragaje icyo ubumuga yasigiwe n’impanuka bugabanya kubyo yinjizaga arinacyo kiba aringombwa kugaragaza kuko aba aricyo aregera. Mu gihe Kayirebwa Ketiah atigeze agaragaza icyo ubumuga bwagabanyije cyangwa bwahungabanyije ku musaruro yinjizaga, ikindi akaba atarabashije no kugaragaza uwo musaruro yinjije, izi ndishyi ntazo yarakwiye gutsindira. SANLAM AG Plc isanga ikwiye kugenerwa indishyi z'ikurikiranarubanza za 1.000.000Frw n'igihembo cy’avoka cya 1.000.000Frw mu nzego zombi kubera ko mu gihe cy'ubwumvikane yageneye Kayirebwa Ketiah

## Page 4

indishyi zishingiye ku mategeko ndetse n'ibimenyetso, ariko arazanga ahitamo kuyishyora mu manza, bityo akaba agomba kwirengera igihombo bikomeje guteza SANLAM AG Plc. [9] Kayirebwa Ketiah n’umwunganira bavuga ko ibyo Sanlam ivuga atari ukuri kuko urukiko rujya gutanga, izo ndishyi rwasuzumye imuburanire y'impande zombi, runashingira ku bimenyetso na Sanlam ubwayo yivugiye ko hashingiwe ku masezerano y'umurimo ndetse certificat de salaire, ikanivugira igika cy'urubanza urukiko rwabisobanuyemo. Ahubwo Sanlam icyo yanengo ni uko hatashingiwe ku byifuzo byayo nk'uko ibyifuza. ntacyo urukiko rwirengagije mu gutanga izo ndishyi. Ikigaragaza ko ibyo Sanlam ubwayo yivugira igenda inivuguruza ni uko hari na proposal, ubwayo yabanje gutanga ibarira Kayirebwa ku mushahara uhwanye na 193 600frs, ukaba wakwibaza icyo bari bashingiyeho bamugenera uwo mushahara. Ibyo Sanlam ivuga bisa n'ubushinyaguzi kuwahohotewe mu mpanuka kuko ivuga ko hatagaragajwe icyo impanuka yamuhungabanyije kandi yarakorewe contre expertise na Sanlam ubwayo, bagasanga impanuka yaramusigiye ubumuga buhoraho bwa 45%, bakaba bagaragaza ko uyu munsi ntacyo yahungabanyeho. Kuba bemera ko n'ubwo bumuga yabusigaranye nta cyari kubuza urukiko gutanga izo ndishyi. Kuba Sanlam ikomeje gushora Kayirebwa Ketiah mu manza ibigambiriye, barasaba urukiko ko rwazategeka Sanlam kumusubiza igihembo cy’avocat gihwanye na 500 000 frw ku rwego rw'ubujurire; ikanamwishyura ibihumbi 300 000 frw y'ikurikirana rubanza kuko ikomeje kumusiragiza mu nkiko. [10] Ibibazo bigiye gusuzumwa muri uru rubanza ni ibi bikurikira:  Kumenya niba Kayirebwa Ketiah yagenerwa indishyi mbangamirabukungu zibariye kuri SMIG ya 3000 frw.  Kumenya niba Kayirebwa Ketiah yaragomba kugenerwa indishyi z’uburambe ku kazi.  Kumenya niba hari izindi ndishyi zatangwa muri uru rubanza. II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA Kumenya niba Kayirebwa Ketiahyagenerwa indishyi mbangamirabukungu zibariye kuri SMIG ya 3000 frw. [11] Uhagarariye SANLAM avuga ko isesengura ryakozwe n’urukiko siryo kuko amasezerano y’akazi niba koko ari itegeko ku bayagiranye mu gihe bayakoze mu buryo bukurikije amategeko agomba kubahirizwa mu ngingo zayo zose, bityo ingingo zigaragara muri ayo masezerano zivuga ko hazajya hishyurwa imisanzu ya RSSB ndetse n’imisoro ya RRA, zakabaye nazo zarubahirijwe zikagaragarizwa n’ibimenyetso naho ubundi aya yaba ari amasezerano ya baringa yo gushaka kubyaza inyungu ibyo badafitiye uburenganzira. Ntacyakwemeza ko uwo mushahara ari ukuri. Urukiko rwirengagije ko Kayirebwa Ketiah yagaragaje amasezerano afite y’akazi yerekana umushahara agomba kwinjiza ariko ntiyashobora kugaragaza ibimenyetso byemewe n’amategeko bishimangira umusaruro yinjiza harimo n’imisanzu ya RSSB ndetse n’umusoro wa RRA. Urukiko rushingira kumasezerano gusa ariko ntirwita ku kuba atarashoboye kugaragaza umusaruro yinjiza nikigaragaza ko yawinjije. Mu rubanza rujuririrwa SANLAM yagaragaje ko ibimenyetso Kayirebwa Ketiah yatanze aribyo amasezerano y’akazi na attestation de salaire agaragaza ko koko yahembwaga amafaranga 300,000 Frw ku kwezi agahemberwa kuri compte No 4003211145484 iri muri Equity Bank

## Page 5

hamaze kuvanwaho imisoro n’imisanzu ya RSSB, ariko hakaba nta kimenyetso na kimwe kigaragaza ko koko uwo mushahara wigeze unyuzwa kuri iyo compte cyangwa ngo abe agaragaza aho yishyuriwe imisanzu ya RSSB ndetse n’imisoro ya RRA ivugwa muri ayo masezerano. Kuba Umwunganizi wa Kayirebwa Ketiah yasubije ko nta misanzu yigeze atangirwa ko kandi atahemberwaga kuri banki nk’uko bigaragazwa muri email yo kuwa 24/11/2021, akaba ariyo mpamvu SANLAM isanga ariya masezerano nta shingiro yahabwa kuko atari ikimenyetso cyashingirwaho. Aho rero niho SANLAM AG PLC ihera ivuga ko ntakigaragaza ko Kayirebwa Ketiah yishyurwa umushahara wa 300,000 frw nk’uko abivuga SANLAM AG PLC ikaba itabona aho urukiko rwashingiye rwemeza ko umushahara uvugwa muri ariya masezerano ya baringa yawinjizaga koko kuko inyandiko za RSSB cyangwa RRA nizo zonyine zishobora kwemeza ko koko uriya mushahara yawishyurwaga bikaba ibimenyetso bidashidikanywaho byemeza umusaruro umuntu yinjiza, bityo urukiko rujuririwe gukosora ayo makosa izi ndishyi zikabarirwa kuri SMIG ya 3.000Frw ku munsi, zikabarwa mu buryo bukurikira : 3,000 x 30 x 12 x 1 = 1,080,000 Frw. [12] Kayirebwa Ketiah n’umwunganira bavuga ko ibyo Sanlam ivuga atari ukuri kuko urukiko rujya gutanga, izo ndishyi rwasuzumye imuburanire y'impande zombi, runashingira ku bimenyetso na Sanlam ubwayo yivugiye ko hashingiwe ku masezerano y'umurimo ndetse certificat de salaire, ikanivugira igika cy'urubanza urukiko rwabisobanuyemo. Ahubwo Sanlam icyo yanengo ni uko hatashingiwe ku byifuzo byayo nk'uko ibyifuza. ntacyo urukiko rwirengagije mu gutanga izo ndishyi. Ikigaragaza ko ibyo Sanlam ubwayo yivugira igenda inivuguruza ni uko hari na proposal, ubwayo yabanje gutanga ibarira Kayirebwa ku mushahara uhwanye na 193 600frs, ukaba wakwibaza icyo bari bashingiyeho bamugenera uwo mushahara. Ibyo Sanlam ivuga bisa n'ubushinyaguzi kuwahohotewe mu mpanuka kuko ivuga ko hatagaragajwe icyo impanuka yamuhungabanyije kandi yarakorewe contre expertise na Sanlam ubwayo, bagasanga impanuka yaramusigiye ubumuga buhoraho bwa 45%, bakaba bagaragaza ko uyu munsi ntacyo yahungabanyeho. UKO URUKIKO RUBIBONA [13] Ingingo ya 18 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 ivuga ko iyo ari ubumuga buhoraho burengeje 30%, indishyi y'ibangamirabukungu ikorwa hakurikijwe amategeko akurikira: Iyo uwahohotewe akora umurimo ahemberwa, ahabwa amafaranga abarwa hakurikijwe igihembo umuntu atahana, urwego rw'ubumuga n'imyaka ye. [14] Urukiko rurasanga iyi ngingo yumvikanisha ko indishyi z’ibangamira bukungu zibarwa hashingiwe ku mushahara ahembwa nta bindi bisabwa uwahohotewe mu gihe yerekanye ibimenyetso by’uko yakoraga. [15] Urukiko rurasanga muri uru rubanza Kayirebwa Ketiah yatanze ibimenyetso bigaragaza ko yakoraga bigizwe n’icyemezo cy’umushahara kigaragaza ko yakoreraga company X-TIGI RUBC LTD akaba yaratangiye akazi guhera tariki ya 6/1/2020 kugeza akoze impanuka tariki ya 20/7/2020 akaba yarahabwaga umushaharaa ungana n’ibihumbi magana atatu (300 000 FRW). Ikindi yagaragaje amasezerano y’akazi nayo agaragaza ko yahembwaga ibihumbi magana atatu (300 000 frw).

## Page 6

[16] Urukiko rurasanga ibi bimenyetso bihagije mu kwemeza ko uwahohotewe yari afite umurimo akora akaba ariyo mpamvu mu kubara indishyi mbangamira bukungu hagombaga gushingirwa kuri uwo mushahara. [17] Urukiko rurasanga ibyifuzo by’uburanira SANLAM ko Kayirebwa Ketiah yagombaga kugaragaza imisanzu ya RSSB ndetse n’imisoro ya RRA, ibi ntaho bihuriye n’ibivugwa n’amategeko kuko umukoresha adakoze ibyo asabwa n’amategeko niwe wabibazwa ntabwo byabazwa Kayirebwa Ketiah cyane ko ibimenyetso yatanze birahagije kandi bihuye n’ibyo amategeko ateganya. [18] Hashingiwe ku bimaze kuvugwa haruguru, urukiko rurasanga Kayirebwa Ketiah yaragombaga kubarirwa indishyi mbangambira bukungu hagendewe ku mushahara we yahembwaga ungana n’ibihumbi magana atatu (300 000 frw) nk’uko byakozwe n’urukiko rwisumbuye rwa Muhanga. Kumenya niba Kayirebwa Ketiah yaragomba kugenerwa indishyi z’uburambe ku kazi. [19] Uhagarariye SANLAM avuga ko Urukiko rutagakwiye kugendera ku kuba Kayirebwa Ketiah agaragaza ko yari afite akazi bihagije ko yatsindira indishyi z’uburambe mu kazi ahubwo urukiko rwashingira ku musaruro Kayirebwa Ketiah yinjiza kuko niwo wemeza ko umuntu yakoze mugihe utagaragazwa neza aho watangiwe rero indishyi z’uburambe mu kazi zitagakwiye gutangwa. Urukiko Rwemeje ko atsindiye indishyi z’uburambe mu kazi rugegendeye ku kigereranyo cy’ubumuga yasigiwe n’impanuka kuko byagaragariraga urukiko ko atagishoboye kwikorera nk’uko bisanzwe, rwirengangiza ko Kayirebwa Ketiah atagaragaje icyo ubumuga yasigiwe n’impanuka bugabanya kubyo yinjizaga arinacyo kiba aringombwa kugaragaza kuko aba aricyo aregera. Mu gihe Kayirebwa Ketiah atigeze agaragaza icyo ubumuga bwagabanyije cyangwa bwahungabanyije ku musaruro yinjizaga, ikindi akaba atarabashije no kugaragaza uwo musaruro yinjije, izi ndishyi ntazo yarakwiye gutsindira. [20] Kayirebwa Ketiah n’umwunganira bavuga ko ibyo SANLAM ivuga bisa n'ubushinyaguzi k’uwahohotewe mu mpanuka kuko ivuga ko hatagaragajwe icyo impanuka yamuhungabanyije kandi yarakorewe contre expertise na Sanlam ubwayo, bagasanga impanuka yaramusigiye ubumuga buhoraho bwa 45%, bakaba bagaragaza ko uyu munsi ntacyo yahungabanyeho. Kuba bemera ko n'ubwo bumuga yabusigaranye nta cyari kubuza urukiko gutanga izo ndishyi. UKO URUKIKO RUBIBONA [21] Ingingo ya 19 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 ivuga ko ibangamira ry'uburambe mu kazi: - gutakaza amahirwe y'akazi umunyeshuri wo mu mashuri yisumbuye, wo mu mashuri y'imyuga, wo mu mashuri makuru cyangwa andi angana na yo ashobora kwizera, - gutakaza uburambe mu kazi ku muntu wari usanzwe akora. Ku wa mbere, amafaranga agomba gutangwa ntashobora kurenga umushahara w'umwaka muto ntarengwa wemewe n'amategeko. Ku wa kabiri, ayo mafaranga agarukira gusa ku mezi atandatu y'umusaruro abazwe kandi atarengeje inshuro 30 umushahara w'umwaka muto ntarengwa wemewe n'amategeko.

## Page 7

[22] Urukiko rurasanga indishyi z’uburambe mu kazi zaragombaga gutangwa kubera ko iyi mpanuka yagize ingaruka ku mikorere ye kuko hari ibyo yakoraga byagabunutse kubera iyo mpanuka kandi yujuje ibisabwa n’amategeko bityo izo ndishyi zikaba zingana 300 000 frw x 6 = 1 800 000 frw. Nyamara mu cyemezo cy’urukiko yaribeshye yandika 1080 000 frw bityo bikaba bigomba gukoroswa. Kumenya niba hari izindi ndishyi zatangwa muri uru rubanza. [23] Kayirebwa Ketiah n’umwunganira bavuga ko kuba Sanlam ikomeje gushora Kayirebwa Ketiah mu manza ibigambiriye, urukiko ko rwazategeka Sanlam kumusubiza igihembo cy’avocat gihwanye na 500 000frs ku rwego rw'ubujurire, ikanamwishyura ibihumbi 300 000 frw y'ikurikirana rubanza kuko ikomeje kumusiragiza mu nkiko. [24] Urukiko rurasanga Kayirebwa Ketiah yahabwa igihembo cy’avoka n’amafranga y’ikurikiranarubanza angana n’ibihumbi magana atanu (500 000 frw) kuko SANLAM ikomeje kumushora mu manza zitari ngombwa. III. ICYEMEZO CY’URUKIKO [25] Rwemeje ko ubujurire bwatanzwe na SANLAM Assurance Générales Plc nta shingiro bufite; [26] Rwemeje ko imikirize y’urubanza RC 00104/2021/TGI/HYE rwaciwe n’urukiko rwisumbuye rwa Huye idahindutse uretse ko hiyongereyeho igihembo cy’avoka n’amafranga y’ikurikiranarubanza angana n’ibihumbi magana atanu (500 000 frw) no gukosora indishyi z’uburambe mu kazi zanditswe nabi mu cyemezo aho kwandikwa 1800 000 habayeho kwibeshya handikwa 1080 000 frw bityo indishyi zose zigomba gutangwa na SANLAM akaba ari 20 855 092 FRW. [27] RutegetsE ko ingwate y’amagarama yatanzwe na SANLAM Assurance Générales Plc ihwanye n’ibyakozwe muri uru rubanza.