SANLAM v KARANGWAYIRE NABANDI

SANLAM v KARANGWAYIRE NABANDI

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-08-25 - Case/document no.: RCA 00195/2022/HC/KIG - Collection: High Court

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SANLAM ASSURANCES GENERALES Plc v KARANGWAYIRE N’ABANDI [Rwanda URUKIKO RUKURU - RCA 00195/2022/HC/KIG (Gatete, P.J.) 25 Kanama 2023] Amategeko agenga imanza z’imbonezamubano - Imanza z’indishyi - Indishyi zikomoka ku mpanuka yateye urupfu - Uburyo bwo kugaragaza ko udashoboye kwitunga - Umuntu urengeje imyaka y’ubukure ntiyavuga ko adashoboye kwitunga atagaragaje impamvu idasanzwe, kandi akabitangira ibimenyetso bifatika nk’inyandiko zo kwa muganga zerekana niba afite ubumuga, uburwayi cyangwa ikindi kibazo kidasanzwe cyatuma atibeshaho. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yabereye mu Karerere ka Nyagatare, Umurenge wa Karangazi aho imodoka yaritwawe na Mbonimpa yagonze uwitwa Serutagoma ahita apfa. Abavandimwe n’umubyeyi we basabye SANLAM ASSURANCES GENERALES PLc (SANLAM) indishyi ntibazihabwa kuko batabashije kumvikana. Abaregera indishyi batanze ikirego mu Rukiko Rwisumbuye rwa Nyarugenge basaba indishyi zitandukanye zirimo n’indishyi mbangamira bukungu kuko nyakwigendera ariwe wari utunze umubyeyi we hanyuma Urukiko ruza kubagenera izo ndishyi. Uregwa ntiyanyuzwe n’imikirize y’urwo rubanza arujuririra mu Rukiko Rukuru avuga ko Urukiko rwabanje rwategetse ko hatangwa indishyi mbangamirabukungu kandi uzisaba ataragaragaje ibimenyetso byerekana ko yari atunzwe na nyakwigendera. Urukiko Rukuru rwakiriye ubwo bujurire maze rusuzuma ikibazo cyo kumenya niba

Serutagoma atariwe wari utunze Karangwayire igihe yitabaga Imana, bikaba byatuma nta ndishyi mbangamirabukungu agomba guhabwa. SANLAM ivuga ko indishyi z’ibangamirabukungu zitagombaga gutangwa kuko nyakwigendera Serutagoma yapfuye ari ingaragu kandi akaba nta muntu yari atunze. Abasaba indishyi bo basobanura ko indishyi mbangamirabukungu zabazwe bikurikije amategeko, ko SANLAM itagaragaza itegeko ryishwe, bivuze ko impamvu zo kujurira nta shingiro zifite. Bakomeza bavuga ko batanze ibimenyetso bigaragaza ko nyakwigendera ari we wari utunze umubyeyi we muri byo hakaba harimo ko Karangwayire ari umucyecuru w’ umupfakazi wabanaga na Serutagoma kandi akaba ari mu cyiciro cya mbere cy’ubuduhe, bivuze ko atishoboye, zikaba ziyongera ku cyemezo cy’inzego z’ibanze kigaragaza ko nyakwigendera yari atunze umubyeyi we. Incamake y’icyemezo: Umuntu urengeje imyaka y’ubukure ntiyavuga ko adashoboye kwitunga atagaragaje impamvu idasanzwe, kandi akabitangira ibimenyetso bifatika nk’inyandiko zo kwa muganga zerekana niba afite ubumuga, uburwayi cyangwa ikindi kibazo kidasanzwe cyatuma atibeshaho bityo kuba Karangwayire agaragaza ko yari atunzwe na nyakwigendera babanaga mu rugo, nkuko abigaragaza mu bimenyetso yatanze ko ari umucyecuru w’umunyantege nke, uri mu cyiciro cya mbere kandi w’umupfakazi akaba akwiye guhabwa indishyi mbangamirabukungu. Ubujurire bwatanzwe nta shingiro bufite; Imikirize y’urubanza Nº RC 00368/2021/TGI/NYGE igumyeho mu ngingo zarwo zose. Amategeko yashingiweho:

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Itegeko N° 15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, ingingo ya 3; 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 13. Imanza zifashishijwe: RS/INJUST 00018/2022/CS, SANLAM vs Niyonzima n’Abandi, rwaciwe n’Urukiko rw’Ikirenga ku wa 27/01/2023; RS/INJUST/RC00021/2022/SC, SANLAM AG PLC vs Mukagatare n’Abandi rwaciwe n’Urukiko rw’Ikirenga ku wa 17/03/2023. Urubanza I. IMITERERE Y’URUBANZA [1] Tariki ya 01/12/2019, mu karere ka Nyagatare, umurenge wa Karangazi, akagari ka Musenyi, habereye impanuka y’imodoka ya TOYOTA Corolla RAD 231 P yari itwawe n’uwitwa Mbonimpa Dion, wavaga Gatsibo yerekeza Nyagatare, ageze ahavuzwe haruguru agonga umunyamaguru witwa Serutagoma Silas ahita apfa. Bavuga ko iyi modoka yari ifite ubwishingizi muri SANLAM yahoze yitwa (SORAS AG Ltd). Bavuga ko bagerageje kwegera umwishingizi basaba indishyi mu bwumvikane ariko ntibashobora kumvikana akaba ariyo mpamvu baregeye urukiko ngo rubagenere indishyi zikwiye. [2] Abaregera indishyi aribo Karangwayire Caritas n’abavandimwe be batanze ikirego mu Rukiko Rwisumbuye rwa Nyarugenge, basaba ko Sanlam Assurances Generales PLc yabishyura indishyi z’ibangamirabukungu kuko nyakwigendera ariwe wari utunze umubyeyi we Karangwayire Caritas, indishyi z’ibangamiramuco

ku mubyeyi wa nyakwigendera n’abavandimwe be no gusubizwa amafaranga yakoreshejwe kubera iyo mpanuka. [3] Sanlam Assurances Generales PLc yemeranywa n’abaregera indishyi ko iyo mpanuka yabayeho igahitana Serutagoma Silas, ko ndetse abarega bayisabye indishyi mu bwumvikane ariko ntibabasha kumvikana kubera ko bazanye amananiza yo kwaka indishyi batemerewe n’amategeko ndetse batatangiye n’ibimenyetso. Ivuga ko indishyi mbangamirabukungu ntazo bakwiye guhabwa kuko yakwigendera yari ingaragu akaba nta muntu yari atunze. [4] Ku wa 14/04/2022, Urukiko rwisumbuye rwategetse Sanlam Assurances Generales Plc mu izina ry’umuyobozi wayo guha Karangwayire Caritas umubyeyi wa nyakwigendera Serutagoma Silas n’abavandimwe be indishyi mu buryo bukurikira:  Indishyi mbangamirabukungu zingana na 8.234.604Frw;  Indishyi z’ibangamiramuco zingana na 810,000Frw;  Indishyi z’ibangamiramuco zingana na 3,780,000Frw ku bavandimwe 7 ba nyakwigendera, n’ukuvuga amafaranga 540.000 frw buri wese;

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 Amafaranga yakoreshejwe kubera urupfu rwa Serutagoma Silas angana na 521.000Frw;  Amafaranga 600.000 frw y’igihembo cy’Avoka n’ikurikiranarubanza; Yose hamwe akaba 13.965.604Frw. [5] Sanlam Assurances Generales Plc mu izina ry’umuyobozi wayo ihagarariwe na Me Kamali Jean Baptiste ntiyishimiye imikirize y’ uru rubanza, mu myanzuro yayo n’imiburanire yayo ijurira ivuga ko indishyi z’ibangamirabukungu zitagombaga gutangwa kuko nyakwigendera Serutagoma Silas yitabye Imana ari ingaragu kandi akaba nta muntu yari atunze; ko ariko mu gihe Urukiko rwatanga izo ndishyi ngo rwashingira ku ngingo ya 22 al. 4 y’Iteka rya Perezida rishyiraho uburyo bwo kwishyura indishyi ku bubare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, igaragaza ko umushahara muto ari 3.000Frw. ndetse ngo amafaranga 500,000frw yo gushyingura yategetswe n'Urukiko Rwisumbuye ari meshi ugereranyije naho bashyinguye nyakwingedera (Nyagatare) kuko ngo hadahenze nk’i Kigali, ndetse ngo nta bimenyetso byashimangira ayo mafaranga. [6] Me Gatama Cassien ahagarariye Karangwayire Caritas n’abagenzi be avuga ko uko indishyi mbangamirabukungu zabazwe bikurikije amategeko, ko Sanlam Assurances Generales Plc yajuriye itagaragaza itegeko ryishwe, bivuze ko impamvu zo kujurira nta shingiro zifite ahubwo ko hagamijwe gutinza urubanza gusa, basaba ko Urukiko rwatekereza k’umuryango wapfushije umuntu muri 2019 bakaba bageze

muri 2023 nta butabera uyu muryango urahabwa; Ibyerekeranye n’amafaranga yo gushyingura ngo bumva ibyemejwe n’Urukiko Rwisumbuye byagumaho kuko nta tegeko ujurira agaragaza ko ryishwe, ko umuryango ufite agahinda ko kutabona ubutabera bwihuse kuko hashize igihe kinini nta butabera buratangwa kuko SANLAM yirebera inyungu zayo gusa igatinza urubanza nkana. Iburanisha risojwe, ababuranyi bamenyeshejwe ko urubanza ruzasomwa ku wa 27/07/2023 ariko uwo munsi ntirwasomwa kuko Umucamanza yari mu masomo I Nyanza, isomwa ryimurirwa kuwa 25/08/2023. [7] Muri uru rubanza, ibibazo bigomba gusuzumwa n’ibi bikurikira:  Kumenya niba Serutagoma Silas atariwe wari utunze Karangwayire Caritas igihe yitabye Imana, bikaba byatuma nta ndishyi mbangamirabukungu zigomba guhabwa Karangwayire Caritas;  Kumenya niba amafaranga yo gushyingura ariyo yarakwiye gutangwa. II. IKIBAZO KIRI MU RUBANZA N’ISESENGURWA RYACYO Kumenya niba Serutagoma Silas atariwe wari utunze Karangwayire Caritas igihe yitabye Imana, bikaba byatuma nta ndishyi mbangamirabukungu zigomba guhabwa Karangwayire Caritas. [8] Sanlam Assurances Generales Plc mu izina ry’umuyobozi wayo ihagarariwe na Me Kamali Jean Baptiste ivuga ko indishyi z’ibangamirabukungu zitagombaga gutangwa kuko nyakwigendera Serutagoma Silas yitabye Imana ari ingaragu kandi akaba nta muntu yari atunze; ariko ngo kuko inkiko zimwe ziyatanga izindi ntiziyatange ngo mu gihe uru Rukiko rwazitanga rwashingira ku ngingo ya 22 alinea ya 4 y’iteka rya Perezida rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, igaragaza ko

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umushahara muto ari 3.000Frw. Avuga kandi ko Urukiko rw’Ikirenga mu manza zarwo rwagaragaje ko mu gihe nta bimenyetso bidashidikanywaho ko nyakwigendera ariwe wari utunze abo bantu ntabwo izo ndishyi zitangwa; ko murubanza INJUST/RCA 0018/2022/CS rwa SANLAM na Abazungura ba Nyanzira Pelagie izo ndishyi zitatanzwe aho ngo rwabisobanuye mu gika cya 28 cy’urubanza rugaragaza ko inyandiko z’inzego z’ibanze zidahagije kuko zitagaragaza impamvu nyakwigendera aba atunze abo bantu, ko amasano ubwayo adahagije ndetse ngo mugika cya 23 bavuze ko izo ndishyi zitatangwa, ko ibyo bigaragaza ko amasano adahagije ndetse ngo kuba Karangwayire Caritas ari umupfakazi ndetse ari mu kiciro cya mbere cy’ubudehe bidahagije. Sanlam Assurances Generales Plc mu izina ry’umuyobozi wayo ihagarariwe na Me Kamali Jean Baptiste ikomeza ivuga ko izindi ndishyi zasabwe n’abaregera indishyi bazemeranyaho. [9] Karangwayire Caritas n’abagenzi be bahagarariwe na Me Gatama Cassien bavuga ko indishyi mbangamirabukungu zabazwe bikurikije amategeko, ko Sanlam Assurances Generales Plc yajuriye itagaragaza itegeko ryishwe, bivuze ko impamvu zo kujurira nta shingiro zifite ahubwo ko hagamijwe gutinza urubanza gusa, basaba ko Urukiko rwatekereza k’umuryango wapfushije umuntu muri 2019 bakaba bageze muri 2023 nta butabera uyu muryango urahabwa; ko ibyemezo by’inzego z’ibanze bigaragaza ko Karangwayire Caritas yaratunzwe

n’uwo mwana we Serutagoma Silas witabye Imana kandi yari umwana w’imfura ye ndetse ngo yari umupfakazi ndetse anabarizwa mu cyiciro cya mbere cy’ubudehe; Basoza basaba Urukiko ko rwakwemeza ko urubanza rwajuririwe rudahindutse. Uko Urukiko rubibona; [10] Mu rubanza RC/INJUST 00018/2022/CS rwa SANLAM iburana na Niyonzima Léonidas na bagenzi (Abazungura ba Nyanzira Rosalie), Urukiko rwatanze umurongo aho rwasobanuye ko hagomba kugaragazwa ibimenyetso by’uko usaba ibimutunga abikeneye koko ndetse ko n’ubitanga abifitiye ubushobozi nk’uko byasobanuwe mu gika cya 201 ndetse uvugwa ko afashwa na nyakwigendera akaba afite ikibazo kidasanzwe cyatuma atibeshaho2, ndetse ibi byanashimangiwe murubanza N° RS/INJUST/RC 00021/2022/SC rwaciwe kuwa 17/03/2023, 1 [20] Ibimaze gusobanurwa ku murimo nshinganwa ababyeyi n’abana bafitanye wo guhana ibibatunga ntibigomba kwitiranywa n’ibivugwa mu ngingoya 321 y’iryo tegeko ku nshingano zikomoka ku bubasha bwa kibyeyi zo kwita ku mwana utarageza ku myaka 21, (l’obligation des pères et mères de nourrir, entretenir et élever leurs enfants) kuko ku mwana utarageza ku myaka y’ubukure, byumvikana ko aba akeneye kwitabwaho, kurerwa no guhabwa ibimutunga. Kuba rero hagati y’ababyeyi n’abana barengeje imyaka y’ubukure, inshingano yo guhana ibibatunga ibaho gusa iyo usaba ibimutunga abikeneye, byumvikanisha ko kugira ngo abihabwe agomba gutanga

ibimenyetso by’uko akeneye ibimutunga, ndetse ko ubisabwa abifitiye ubushobozi. Ibi bikaba bivuguruza ibyo uhagarariye abarega avuga ko hagati y’abafitanye umurimo nshinganwa wo guhana ibibatunga nta bimenyetso bisabwa kugirangousaba guhabwa ibimutunga abihabwe 2 [22] Ku birebana n’uru rubanza, kuva rwatangira ku rwego rwa mbere, Niyonzima Léonidas, Niyigena Feredisa, Ntawiha Evangeline na Muhawenimana Gloriose nta bimenyetso bagaragaje by’uko bari batunzwe na Nyanzira Rosalie. Ibyo bavuga ko hari umwe muri bo ukiri ingaragu wabanaga nawe, Urukiko rurasanga ibyo ubwabyo atari ikimenyetso cy’uko yari amutunze. Mu nyandiko zashyikirijwe Urukiko Rwisumbuye rwa Nyarugenge harimo ibyemezo by’amavuko by’abana ba Nyanzira Rosalie bigaragaza ko umuto muri bo ari Niyigena Feredisa wavutse ku wa 01/01/1987, bivuze ko yari afite imyaka 31 igihe umubyeyi we yapfaga azize impanuka y’imodoka. Nk’uko byasobanuwe nanone mu rubanza N° RCAA 0049/14/CS rwavuzwe haruguru, umuntu urengeje imyaka y’ubukure ntiyavuga ko adashoboye kwitunga keretse agaragaje impamvu idasanzwe yatumaga umubyeyi we amutunga, akabitangira ibimenyetso bifatika nk’inyandiko zo kwa muganga zerekana niba afite ubumuga, uburwayi cyangwa ikindi kibazo kidasanzwe cyatuma atibeshaho.

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haburana SANLAM AG PLC na Mukagatare Régine na bagenzi be mu gika cya 283 n’igika cya 324. [11] Uru Rukiko rusanga abaregera indishyi bataratanze gusa inyandiko z’inzego z’ibanze nk’ikimenyetso ko nyakwigendera ariwe wari utunze nyina Karangwayire igaragazwa n’inyandiko y’inzego z’ibanze yo kuwa 18/12/2019 yemeza ko nyakwigendera ariwe wari utunze umubyeyi we w’umupfakazi; ahubwo hari ibindi bimenyetso bagaragaje ko nyakwigendera Serutagoma Silas ariwe wari utunze nyina Karangwayire Caritas kuko Serutagoma Silas witabye Imana yabanaga na nyina Karangwayire Caritas, akaba uyu ari umukecuru kandi w’umupfakazi ndetse anabarizwa mucyiciro cya mbere cy’ubudehe; ibi bigaragaza ko Karangwayire Caritas ari umunyantege nke ukeneye kwitabwaho, akaba rero aba mbere bamwitagaho bagomba kuba abana be, byumvikanisha ko na Serutagoma Silas yari afite uruhare mugutunga uyu mubyeyi we kuko ariwe mfura mu bana be; ndetse ntabwo SANLAM igaragaza uburyo bundi buhari bwari gutuma Karangwayire Caritas aba akiriho muri buriya buzima adatunzwe n’abana be harimo Serutagoma Silas witabye Imana azize impanuka, akaba SANLAM itagaragaza icyari gitunze uyu mukecuru Karangwayire Caritas cyari gutuma adakenera ububasha bwa Serutagoma Silas; akaba buri muburanyi agomba kugaragaza ukuri kw’ibyo aburana5; akaba rero Karangwayire Caritas akwiye guhabwa indishyi z’ibangamirabukungu zikomoka ku mpanuka yapfiriyemo

umwana we Serutagoma Silas. [12] Kubijyanye nibyo Me Kamali Jean Baptiste uhagarariye SANLAM yavuze ko hari inkiko zimwe zitanga izo ndishyi naho izindi ntizizitange, ko mugihe rwasanga rugiye kugena izo ndishyi hakoreshwa umushahara muto ari 3.000Frw hashingiwe ku ngingo ya 22, al.4 y’Iteka rya Perezida no 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kw’ishyura indishyi ku bubabare bw'umubiri buturutse ku mpanuka zitewe n’ibinyabiziga; uru Rukiko rusanga murubanza rujuririrwa haragennwe indishyi mbangamirabukungu hakoreshejwe SMIG ya 3.000Frw akaba ari nabyo byasabwe n’uhagarariye SANLAM mu bujurire ko hakoreshwa 3.000Frw; akaba rero uru Rukiko rusanga nta kosa ryakozwe n’Urukiko Rwisumbuye kuri iyi ngingo; bityo ubujurire bwa SANLAM kuri iyi ngingo akaba nta shingiro bufite hakaba hagomba kugumaho urubanza rwajuririwe. Kumenya niba amafaranga yo gushyingura ariyo yarakwiye gutangwa. 3 (28) Mu rubanza rwaburanwaga hagati ya Niyonzima Léonidas n’abandi na SANLAM AG Plc, Urukiko rw’Ikirenga rwemeje ko ku birebana no kwishyura indishyi zikomoka ku rupfu rwatewe n’impanuka yo mu muhanda, imyandikire y’ingingo ya 22 y’Iteka rya Perezida ryavuzwe haruguru, igaragaza neza ko zigenerwa gusa uwari usanzwe atunzwe n’uwapfuye kandi akabitangira ibimenyetso ko yari amutunze koko. Rwemeje kandi ko umuntu urengeje imyaka y’ubukure atavuga ko adashoboye kwitunga atagaragaje impamvu

idasanzwe, kandi akabitangira ibimenyetso bifatika nk’inyandiko zo kwa muganga zerekana niba afite ubumuga, uburwayi cyangwa ikindi kibazo kidasanzwe cyatuma atibeshaho. 4 (32) Nk’uko byasobanuwe mu manza zaciwe n’uru Rukiko zagaragajwe haruguru, kugira ngo usaba indishyi z’ibangamirabukungu hashingiwe ku ngingo ya 22 y’Iteka rya Perezida Nº 31/01 ryo ku wa 25/08/2003 naryo ryavuzwe haruguru azihabwe, agomba kwerekana ko yari asanzwe atunzwe na nyakwigendera, mu gihe afite imyaka y’ubukure, akagomba kugaragaza impamvu idasanzwe yatumaga amwitaho, nk’inyandiko zo kwa muganga zerekana ko hari ubumuga afite, uburwayi cyangwa ikindi kibazo kidasanzwe cyatuma atibeshaho. 5 Ingingo ya 3 y’Itegeko N° 15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo ivuga iti:” Buri muburanyi agomba kugaragaza ukuri kw’ibyo aburana. Umucamanza ashobora nyamara gutegeka umuburanyi wese gutanga gihamya y’ibimenyetso afite”.

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[13] Me Kamali Jean Baptiste uhagarariye Sanlam Assurances Generales Plc mu izina ry’umuyobozi wayo avuga ko amafaranga 500,000frw yategetswe n'urukiko rwa mbere ari menshi ugereranyije naho bashyinguye nyakwigendera kandi ngo nta kimenyetso cyibishimangira, bityo ngo SANLAM ikaba isaba Urukiko Rukuru kwemeza 300,000frw ajyanye n’ibiciro byo mu cyaro kuko Nyakwigendera yashyinguwe Nyagatare. [14] Abaregera indishyi bahagarariwe na Me Gatama Cassien bavuga ko Ibyerekeranye n’amafaranga yo gushyingura bumva ibyemejwe n’Urukiko Rwisumbuye byagumaho kuko nta tegeko ujurira agaragaza ko ryishwe. Gusa umuryango ufite agahinda ko kutabona ubutabera bwihuse. Urukiko mubushishozi rwagena itariki yahafi rushingiye kuba Imyaka hafi 4 umuryango upfushije umuntu, kugeza ubu hakaba hataraboneka ubutabera bitewe na SANLAM yirebera inyungu zayo gusa igatinza urubanza nkana. Uko Urukiko rubibona; [15] Ingingo ya 13 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: «Amafaranga yo kwivuza, yo gushyirwa mu bitaro, yo kugura imiti, yo gutwarwa mu modoka itwara abarwayi, yo kongera kumenyereza umubiri, yo kugorora ingingo, y’ibyuma bikoreshwa, y’insimburangingo n’ay’ingendo zo kujya kwivuza arihwa n’uwateje impanuka cyangwa umwishngizi we, hakurikijwe ibiciro biriho mu Rwanda.

Agomba kwishyurwa n’abo bombi bamaze kubona inzandiko zibihamya, mu kwezi kw’iyakirwa ry’izo nyandiko». [16] Uru Rukiko rusanga nta biciro bihari bizwi (tariff) kuburyo wamenya amafaranga atangwa mugushyingura umuntu mu ntara zitandukanye mu Rwanda; uru Rukiko rusanga imihango yo gushyingura umuntu ijyendaho amafaranga menshi ahariho hose mu gihugu kuko harimo kugura imva, kugura isanduku, indabyo, n’ibindi bintu bitandukanye; bityo rero amafaranga yemejwe n’Urukiko Rwisumbuye yo gushyingura nyakwigendera Serutagoma Silas yatanzwe mu bushishozi bw’Urukiko akaba n’uru Rukiko rusanga akwiranye n’icyo gikorwa; bityo akaba agomba kugumaho nk’uko yemejwe mu rubanza rujuririrwa. III. ICYEMEZO CY’URUKIKO [17] Rwemeje ko ubujurire bwatanzwe na SANLAMASSURANCES GENERALES PLc nta shingiro bufite. [18] Rwemeje ko imikirize y’urubanza Nº RC 00368/2021/TGI/NYGE rwaciwe n’Urukiko Rwisumbuye rwa Nyarugenge kuwa 14/04/2022 igumyeho mu ngingo zarwo zose mu buryo bukurikira: [19] Rutegetse SANLAM ASSURANCES GENERALES PLc mu izina ry’umuyobozi wayo guha Karangwayire Caritas umubyeyi wa nyakwigendera Serutagoma Silas indishyi mbangamirabukungu zingana na miliyoni umunani n’ibihumbi magana abiri na mirongo itatu na bine na magana atandatu n’ane (8.234.604Frw) n’indishyi z’ibangamiramuco zingana n’ibihumbi Magana inani na cumi (810,000Frw), yosehamwe akaba miliyoni icyenda n’ibihumbi mirongo ine na bine na magana atandatu n’ane (9.044.604Frw).

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[20] Rutegetse SANLAM ASSURANCES GENERALES PLc mu izina ry’umuyobozi wayo guha abavandimwe ba nyakwigendera uko ari 7 bareze muri uru rubanza indishyi mbangamiramuco zingana n’amafaranga y’u Rwanda miliyoni eshatu n’ibihumbi magana arindwi na mirongo inani (3,780,000Frw); ni ukuvuga amafaranga ibuhumbi magana atanu na mirongo ine (540.000Frw) buri wese. [21] Rutegetse SANLAM ASSURANCES GENERALES PLc izina ry’umuyobozi wayo guha abaregera indishyi amafaranga yakoreshejwe kubera urupfu rwa Serutagoma Silas angana n’ibihumbi magana atanu na makumyabiri na kimwe (521.000Frw) no gutanga amafaranga ibihumbi magana atandatu (600.000Frw) y’igihembo cy’Avoka n’ikurikiranarubanza. [22] Rutegetse SANLAM ASSURANCES GENERALES PLc mu izina ry’umuyobozi wayo guha abarega amafaranga yose hamwe angana na miliyoni cumi n’eshatu ibihumbi magana cyenda na mirongo itandatu na bitanu na magana atandatu n’ane (13.965.604Frw).