SANLAM v BIZIMANA N’UNDI

# SANLAM v BIZIMANA N’UNDI

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-12-22 - Case/document no.: RCA 00099/2022/HC/KIG - Collection: High Court

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SANLAM v BIZIMANA N’UNDI [Rwanda URUKIKO RUKURU - RCA 00099/2022/HC/KIG (Kadigwa, P.J.) 22 Ukuboza 2023] Amategeko agenga imanza z’imbonezamubano – Imanza z’indishyi zikomoka ku mpanuka – Indishyi zo gutakaza akazi – Abagenerwa indishyi zo gutakaza akazi - Umuntu utagaragaza ko hari akazi yari afite ubwo yakoraga impanuka nta ndishyi ashobora guhabwa kubera ko nyine nta cyo yatakaje kandi izo ndishyi zikaba zigenerwa abatakaje akazi. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka y’imodoka ya SINA Gerard Ltd yakomerekeyemo uwitwa Bizimana kandi ikaba yari ifite ubwishingizi bwa SANLAM Assurances Generales PLC (SANLAM). Bizimana yandikiye SANLAM asaba indishyi nayo imusubiza ko izamuha igice ikindi gice akagihabwa na SINA Gerard Ltd nyiri modoka ariko waje nawe kwandikirwa akavuga ko indishyi zose zigomba gutangwa na SANLAM bituma urega atanga ikirego mu rukiko asaba ko yahabwa indishyi yifuzaga. Urukiko rwasanze ikirego cye gifite ishingiro maze rutegeka SANLAM kumuha indishyi zitandukenye ariko yi ntiyanyuzwe n’icyo cyemezo ikijuririra mu Rukiko rukuru isaba gusuzuma ugomba kwishyura indishyi hagati yayo na SINA Gerard no kureba niba indishyi zatanzwe zari zikwiye. Ubujurire bwarakiriwe maze urukiko rusuzuma ikibazo cyo kumenya ukwiye kwishyura indishyi ndetse no kureba niba indishyi z’imbangamira burambe zari zikwiye. Urega avuga ko hari amasezerano yagiranye na nyiri kinyabiziga ariwe SINA Gerard Ltd ko azishyura gusa indishyi zingana na 337.378 Frw k’uwo icyo kinyabiziga cyateza impanuka ariko Urukiko rwabanje rukaba rwarategetse ko indishyi zose zishyurwa na SANLAM kandi Bizimana yarari umukozi wa SINA Gerard Ltd wagombaga guhabwa indishyi ziri mu masezerano andi akayahabwa n’umukoresha. SANLAM ikomeza isobanura ko iramutse inasabwe gutanga indishyi, Bizimana atagomba kugenerwa indishyi zo gutakaza akazi kuko atigeze agaragaza ko yari afite akazi cyangwa se ngo abe yari umunyeshuri akaba yaratakaje amahirwe yo kukabona. Uregwa avuga ko SANLAM atariyo ikwiriye kwihitiramo uburyo bwo gutanga indishyi kuko hari Iteka rya Perezida ribiteganya akaba ariyo rigomba gushingirwaho. Akomeza avuga ko atari umukozi wa SINA Gerard Ltd kuko nta masezerano y’umurimo bafitanye. Akomeza avuga ko kandi agomba guhabwa n’indishyi zo gutakaza akazi kuko yavunitse igufa akaba atazongera kubasha kwikorera nkuko yari asanzwe abivuga. SINA Gerard Ltd we asobanura ko ikiburanwa muri uru rubanza ari indishyi zikomoka ku mpanuka kandi izo ndishyi zikaba zigomba gutangwa n’umwishingizi. Akomeza avuga ko Bizimana atari umukozi wa SINA Gerard Ltd ahubwo ari umuntu batwaye muri iyo modoka avuye gufana umupira dore ko na SANLAM itabasha kugaragaza ikimenyetso na kimwe cyerekana ko yari umukozi wa SINA Gerard Ltd, bityo rero indishyi zose zikaba zigomba gutangwa na SANLAM. Incamake y’icyemezo: 1. Umuntu utagaragaza ko hari akazi yari afite ubwo yakoraga impanuka nta ndishyi zo gutakaza akazi ashobora guhabwa kubera ko nyine nta cyo yatakaje kandi izo ndishyi zikaba zigenerwa abatakaje akazi bityo ibyo Bizimana avuga bikaba nta shingiro bifite kuko atagaragaza ko hari akazi yari afite yatakaje kubera impanuka.

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2. Buri muburanyi agomba kugaragaza ukuri kw’ibyo avuga, bityo ibyo SANLAM ivuga ko Bizimana yari umukozi wa SINA Gerard bikaba nta shingiro bifite kuko nta kimenyetso igaragaza gihamya ko yari umukozi we. Ubujurire bufite ishingiro kuri bimwe 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 150; 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 16, 19 Imanza zifashishijwe: RS/INJUST/RC 00010/2021/SC, Prime Insurance Ltd na Uwimanimpaye, rwaciwe n’Urukiko rw’Ikirenga ku wa 02/12/2022; RS/INJUST/RC 00020/2022/CA, Niyibizi na SANLAM AG Plc, rwaciwe n’Urukiko rw’Ubujurire ku wa 13/06/2023 Urubanza IMITERERE Y’URUBANZA [1] Inkomoko y’uru rubanza ni impanuka y’imodoka ifite plaque RAD 501 H yari iya SINA Gerard kandi ikaba yari ifite ubwishingizi bwa Soras Assurance Generale yaje guhinduka SANLAM Assurances Generales PLC. Iyo mpanuka yakomerekeyemo uwitwa Bizimana Peter Joseph asaba SANLAM kumwishyura indishyi zikomoka kuriyo mpanuka, ariko imubwira ko indishyi agomba guhabwa ari 337,378 FRW izirenze akazihabwa na SINA Gerard wafashe ubwishingizi bw’imodoka yamuteje impanuka. Bizimana yandikiye SINA Gerard amwishyuza ikinyuranyo kingana n’amafaranga 2.112.622 ariko uyu nawe yamusubije ko ari SORAS igomba kuyamuha bituma agana inzira y’urukiko. [2] Mu rubanza RC 00012/021/TGI/GIC, Bizimana Peter Joseph yasabye ko Soras itegekwa kumuha indishyi agenerwa n’amategeko zigizwe n’indishyi bangamirabukungu, z’ibangamiraburambe ku kazi, iz’ibangamiraburanga, iz’ubumuga bw’igihe gito n’izibyatanzwe kuri uru rubanza, Urukiko ruha agaciro ikirego cye, rutegeka SANLAM Insurance Company Ltd kuba ariyo imwishyura indishyi zose hamwe zingana na miliyoni ebyiri ibihumbi ijana na makumyabiri na bibiri na magana atatandatu makumyabiri n’abiri (2.122.622 Frw). [3] SANLAM AG Plc ntiyanyuzwe n’icyo cyemezo ikijuririra muri uru Rukiko isaba gusuzuma ugomba kwishyura indishyi zisabwa na Bizimana Peter Joseph hagati yayo na SINA Gerard, no gusuzuma niba mu gihe rwasanga SANLAM AG Plc ariyo ikwiye kwishyura izo ndishyi, rwasuzuma niba indishyi z’ibangamiraburambe ku kazi, iz’ibangamiraburanga, iz’ubumuga bw’igihe gito zatanzwe n’urukiko rwaciye uru rubanza ku rwego rwa mbere arizo zari zikwiye gutangwa koko, icyo kibazo kikaba aricyo kigomba gusuzumwa muri uru rubanza,

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hagasuzumwa n’ikibazo cy’indishyi z’ibyatanzwe kuri uru rubanza zasabwe na buri ruhande mu baburanyi. ISESENGURA RY’IBIBAZO BIRI MURI URU RUBANZA Gusuzuma ukwiye kwishyura indishyi zasabwe na Bizimana Peter Joseph hagati ya SINA Gerard na SANLAM AG Plc [4] Uhagarariye SANLAM avuga ko kuba urukiko rwarategetse SANLAM AG Plc kwishyura indishyi zose zahawe Bizimana Peter Joseph, nta shingiro bifite ngo kuko yishyuye indishyi zishingiye ku masezerano y’ubwishingizi yagiranye na SINA Gerard, muri ayo masezerano SINA Gerard nyiri ikinyabiziga cyateje impanuka akaba yarumvikanye na SANALAM ko izishyura indishyi na 337.378 Frw kuwo icyo kinyabiziga cyateza impanuka, ibyo rero ngo urukiko rwabyirengagije nkana kandi byari mu myiregurire ya SANLAM AG Plc ndetse binahije n’ibyo amategeko ateganya, bityo akaba asaba Urukiko Rukuru gukosora ayo makosa SANLAM AG Plc igahabwa ubutabera. [5] Uhagarariye SANLAM avuga ko iyi sosiyete isanga kutagaragaza ibimenyetso kwa SINA Gérard by’uko Bizimana Peter Joseph yari umukozi we, bitari kuba impamvu ubwabyo ituma urukiko ruyitegeka kwishyura ziriya ndishyi zishingiye ku 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, kuko zidafite aho zihuriye n’ibyo yishingiye. [6] Uhagarariye SANLAM akomeza asobanura ko mu bigaragara nta garantie ya Résponsabilité Civile iri mubyo SINA Gerard yafatiye ubwishingizi, ko ikindi kandi Bizimana Peter Joseph atari ‘’tierce personne’’ muri iriya mpanuka yamukomerekeje nk’uko byavuzwe ngo kuko yari n’umukozi wa SINA Gérard akaba ariwe wari kugira ibyo ategekwa mu mwanya wa SANLAM AG Plc mu gihe iyi sosiyete yatanze ibimenyetso yasabwe kandi inagaragaza ko yubahirije inshingano zayo ku biyireba. [7] Uhagarariye SANLA AG Plc akomeza avuga ko SINA Gérad akwiye kongera gutegekwa n’urukiko kugaragaza amasezerano yasabwe ajyanye n’uko Bizimana Peter Joseph yari umukozi we nk’uko uwari umuhagarariye yabyemereye urukiko ko agiye kubishaka yarangiza ntabikore kugirango haveho urujijo urwo arirwo rwose rutuma SANLAM AG Plc ikomeza gusiragizwa mu manza z’amaherere no gutegekwa gutanga ziriya ndishyi cyangwa kuziyihererezaho nta mpamvu. [8] Uhagarariye Bizimana Peter Joseph avuga ko ibyo SANLAM AG PLC Isobanura by’uko indishyi yamuhaye zingana na 337,378 FRW ari zo zari zikwiye ataribyo kuko SANLAM yirengagiza ku bushake ibijyanye n’itangwa ry’indishyi ku bahohotewe n’ibinyabiziga, ko impamvu Bizimana Peter Joseph yareze SINA Gerard byatewe n’uko SANLAM AG PLC yari yanze kubahiriza iteka rya Perezida berekanye, ko SANLAM idakwiye kwihitiramo uko yumva yakwishyura Bizimana Peter Joseph, kandi hari itegeko ribiteganya. [9] Ashingiye ku bivuzwe haruguru Bizimana Peter Joseph avuga ko asanga kuri iyi ngingo nta kosa Urukiko rwaciye uru rubanza ku rwego rwa mbere rwarakoze kuko rwerakanye ko hagomba kubahirizwa Iteka rya Perezida no 31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga.

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[10] Uhagarariye Bizimana Peter Joseph avuga ko kuba SANLAM AG PLC yarireguye ivuga ko uyu ngo yari umukozi wa SINA Gerard, igasaba ko uyu ategekwa kugaragaza amasezerano y’umurimo bafitanye bitagomba kubangamira uburenganzira bwa Bizimana Peter Joseph wakomerekeye mu mpanuka akaba nta masezerano y’umurimo azi yaba yaragiranye na SINA Gerard ikimenyimenyi akaba atananditse mu bwiteganyirize bw’abakozi, icyo we abona ko ari ngombwa aruko imodoka yamukomerekeje yari ifite ubwishingizi muri SANLAM, icyo ashaka akaba aruko ahabwa indishyi ziteganywa n’amategeko hashingiwe ku Iteka rya Perezida ryavuzwe hejuru, yatangwa na SINA Gerard cg SANLAM AG PLC ibyo bikaba atari ikibazo we yasabwa kugira ibyo yisobanuraho. [11] Uhagarariye SINA Gerard avuga ko imodoka Toyota Hilux D/C RDA 501 H yakoze impanuka kuwa 21/04/2018 yari itwaye abakozi ba Entreprise Foundation SINA Gerard harimo na Bizimana Peter Joseph wakomeretse nk’uko bigaragazwa n’imenyekanisha ry’impanuka ry’uwari utwaye icyo kinyabiziga na liste y’abari mu modoka yakorewe Nyirangarama na P.V de Synthese d’Accident de Roulage, imusigira ubumuga bwa 10% nk’uko bigaragazwa na Contre Expertise. Nk’uko byemejwe n’uwakoze raporo y’impanuka, avuga ko impanuka yatewe n’ubuteshuke n’ubuteganye buke bw’uwari utwaye imodoka utarashoboye kuringaniza umuvuduko w’imodoka yari atwaye. [12] Uhagarariye SINA Gerard akomeza avuga ko mu rubanza rujuririrwa hagobokeshejwemo SANLAM AG Plc kuko hari amasezerano y’ubwishingizi SANLAM AG PLC yari ifitanye na SINA Gerard kugirango hasuzumwe niba hari inshingano z’umwishingizi w’ikinyabizina cyatege impanuka, akavuga ko basanga nta shingano zigomba kubazwa SINA Gerard kubera ko impanuka ibaho hari umwishingizi ugomba gukemura ikibazo cy’indishyi igihe hari impanuka yabaye, bityo ko umwishingizi yagombaga kuzuza inshingano ze 100%. [13] Uburanira SINA Gerard asoza avuga ko ikiburanwa ari indishyi zikomoka kumpanuka zibazwa umwishingizi muri dosiye kandi ko harimo ibimenyetso bigaragaza ko impanuka yabaye kandi hari n'amasezerano yo kwishingira imodoka, ko ibi bimenyetso bihagije mu gutuma hasuzumwa ukwiye kuryozwa indishyi, asaba urukiko kuzabona ko kamere y'ikiburanwa ari indishyi zikomoka ku mpanuka kuba umwishingizi w'imodoka avuga ko Bizimana Joseph Peter yari umukozi atari byo kuko nta kimenyetso SANLAM PLC ishingiraho ibyemeza, ko yari umuntu bahaye lift avuye gufana umupira wari wabaye. UKO URUKIKO RUBIBONA [14] Uru Rukiko rusanga hari amsezerano SANLAM AG Ltd ( Ex SORAS) yagiranye na SINA Gerard Ltd kuwa 21/04/2018 , ikaba ariyo ishingiraho ivuga ko ariyo akwiye gushyirwa mu bikorwa SINA Gerard ikaba ariyo yishyura Bizimana Peter Joseph indishyi z’impanuka yakomerekeyemo, ibyo ikabishingira ku kuba yari umukozi wayo, ngo nk’uko umushoferi wakoze impanuka yabivuze mu nyandikomvugo y’impanuka, ababuranira SINA Gerard bo bakavuga ko Bizimana Peter Joseph atari umukozi wayo kuko nta masezerano bafitanye ndetse ko nta n’ikimenyetso na kimwe bashobora kugaragaza cy’uko yari umukozi wa SINA Gerard LTD, agasaba ko yahabwa indishyi zikomoka kuriyo mpanuka zibariwe ku 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.

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[15] Urukiko rusanga rero kugeza ubu, imiburanire ya SANLAM AG Plc mu bujurire, nubundi igaruka ku kuba Bizimana Petere Joseph yari umukozi wa SINA Gerard LTD, ikaba ariko nta kimenyetso gishya yazanye kuri uru rwego rw’ubujurire kigaragaza mu buryo budashidikanywaho ko Bizimana koko yari umukozi wa SINA Gerard. [16] Uru Rukiko rusanga SANLAM iburanisha ko ko Bizimana Peter Joseph yari umukozi wa SINA Gerard niyo yakagombye kubigaragariza ibimenyetso nk’uko ingingo ya 150 agace ka 6 k’itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi ibiteganya aho ivuga ko ujurira atanga “…. ibisobanuro kuri buri nenge cyangwa kuri buri kibazo bigaragaza amakosa yakozwe n’uburyo agomba gukosorwa hashingiwe ku mategeko n’ibimenyetso n’igisabwa urukiko….”. [17] Kuba SANLAM Ikomeza kuvuga ko SINA Gerard atagaragaza ibimenyetso rusanga ari ukwirengagiza ko ariyo ifite inshingano zo kugaragaza ukuri kw’ibyo iburana, kuba itabibashije bikaba bigaragaza ko kugeza ubu ntacyo ibasha kunenga imikirize y’urubanaza rwajuririwe, bityo kuri iyi ngingo, uru Rukiko rukaba rusanga nta kigomba guhinduka mikirize y’urubanza rwajuririwe. Gusuzuma ishingiro ry’ indishyi z’ibangamiraburambe ku kazi zahawe Bizimana Peter Joseph [18] Uhagarariye SANLAM avuga ko n’iyo umucamanza yabona ko indishyi zisabwa ariyo igomba kuzitanga, zikwiye gutangwa muri rusange hashingiwe ku ya 19 y’iteka rya Perezida No 31/01 ryo kuwa 25/08/2003 ryavuzwe haruguru, ibyo akabishingira kuko ngo nta kimenyetso cyatanzwe cyerekana akazi Bizimana Peter Joseph yari asanzwe akora yaba yaratakaje kubera impanuka yakomerekeyemo cyangwa se ko yari umunyeshuri akaba yaratakaje amahirwe y’akazi. [19] Uhagarariye Bizimana Peter Joseph we yispobanura avuga ko ingingo ya 19 yo mu Iteka rya Perezida no 31/01 ryo kuwa 25/08/2003 ku bimureba isobanutse neza urukiko rwaciye uru rubanza ku rwego rwa mbere rukaba ngo rwarabisobanuye aho rwagaragaje ko Bizimana atazasubira kwikorera nka mbere kuko yavunitse igufwa ry’urwano (clavicule), akaba ngo atazasubira kugira imirimo y’ingufu yikorera cyane ijyanye no guterura ibintu, bityo ko indishyi yagenewe yari azikwiriye. UKO URUKIKO RUBIBONA [20] Urukiko rusanga kuri iki kibazo hashingirwa ku murongo wafashwe mu rubanza RS/INJUST/RC 00020/2022/CA, aho bashingiye ku rubanza rwasesenguye ikibazo gisa n’iki cyasuzumwe mu rubanza N˚ RS/INJUST/RC 00010/2021/SC rwaciwe n’Urukiko rw’Ikirenga ku wa 02/12/2022, aho rwatanze umurongo ukurikira: “[…] abo umushingamategeko yageneye indishyi zo gutakaza amahirwe yo kubona akazi ni abanyeshuri gusa. Abandi bagenewe izo gutakaza akazi ko bagomba kuba bari bagafite bakagatakaza kubera impanuka. Ibi byumvikanisha ko umuntu utagaragaza ko hari akazi yari afite ubwo yakoraga impanuka nta ndishyi ashobora guhabwa kubera ko nyine nta cyo yatakaje.

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[21] Kuba rero Bizimana Peter Joseph atabasha kugaragaza ibimenyetso byemeza ko yari afite akazi mu gihe yakoraga impanuka, Uru Rukiko rurasanga indishyi asaba zo gutakaza akazi atagomba kuzihabwa kuri iyi ngingo rero imikirize y’urubanza rwajuririwe ikaba ihindutse. Gusuzuma ishingiro ry’indishyi z’ibangamiraburanga [22] Uhagarariye SANLAM AG Ltd avuga ko n’iyo umucamanza abona ko indishyi zisabwa zikwiye gutangwa muri rusange ni ubwo itazemera, ashingiye ku biteganywa n’ingingo ya 19 y’iteka, SANLAM AG Plc isanga indishyi z’ibangamiraburanga zahawe Bizimana Peter Joseph mu gika cya cya 21 nta shingiro zari zifite kuko umucamanza atigeze agaragarizwa urwego rw’iryo bangamira ry’uburanga ngo abone aho ahera amubarira izo ndishyi nk’uko biteganywa n’ingingo imaze kuvugwa. [23] Uhagarariye Bizimana Peter Joseph avuga ko kuba umuganga yaramusanganye ubumuga bwa 10% kandi akerekana ko acumbagira kuko na magingo aya aracumbagira, ubu bumuga bujyana n’urwego rwa 2 ruhwana na 10%, bityo ibyo Urukiko rwakoze ngo bifite ishingiro. Uhagarariye SINA Gerard avuga ko urukiko rwazabisuzuma, avuga ko kuruhande rwe asanga indishyi zose zigomba gucibwa umwishingizi kuko ikinyabiziga cyateje impanuka cyari gifite amasezerano y'ubwishingizi. UKO URUKIKO RUBIBONA [24] Ku bijyanye n’iki kibazo uru Rukiko rusanga nk’uko uburanira SANLAM AG Plc abivuga, nta rwego rw’ubumuga Bizimana Peter Joseph yagaragaje, kandi ingingo ya 19 y’Iteka rya Perezida No 31/01 ryo kuwa 25/08/2003 irasobanutse, ko izo ndishyi zitangwa hashingiwe ku rwego rw’ubumuga, bityo ko zitagombaga gutangwa urwo rwego rw’ubumuga rutagaragajwe, ko rero imikirize y’urubanza rujuririwa igomba guhinduka kuri iyi ngingo. Gusuzuma ishingiro ry’indishyi z’ubumuga bw’igihe gito zahawe Bizimana Peter Joseph [25] Uhagarariye SANLAM avuga ko n’iyo umucamanza abona ko indishyi zisabwa zikwiye gutangwa muri rusange ni ubwo itazemera, kuba yarahaye Bizimana Peter Joseph indishyi z’ubumuga bw’igihe gito ashingiye ku biteganywa n’ingingo ya 16, SANLAM AG Plc isanga nta shingiro byari bifite kuko atujuje conditions ziteganywa muri iyi ngingo; yewe n’imibarire yazo ukaba utanamenya aho yayikomoye. [26] Uhagarariye Bizimana Peter Joseph avuga ko igika cya 2 cy’ingingo ya 16 yo mu Iteka rya Perezida No 31/01 ryo kuwa 25/08/2003 irasobanutse kuko expertise medicale yatanzwe na CHUK yerekanye ko Bizimana Peter Joseph yagize ubumuga budahoraho bwa 30% mu gihe gihwanye n’amezi 6. Indsihyi z’ubu bumuga zihwana n’igihembo cya nyakabyizi aricyo 3000/jr x 30 jrs x 6 x 30%= 162,000 FRW. Bigaragara ko icyo Urukiko rutashyizemo ari ijanisha rya 30% UKO URUKIKO RUBIBONA [27] Kuki iki kibazo nabwo urukiko rusanga kuba Bizimana Peter Joseph atabasha kugaragaza akazi yakoraga n’umushahara yakoreraga, adashobora kubarirwa izi ndishyi, hashingiwe ku ngingo ya 16 y’Iteka rya Perezida ryakomeje kuvugwa.

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Gusuzuma indishyi z’ibyatakajwe ku rubanza [28] Uhagarariye SANLAM avuga ko indishyi ry’ibyatanzwe ku ikurikiranarubanza urukiko rwaciye uru rubanza ku rwego rwa mbere rwageneye urega nta shingiro zifite kuko ingingo ya 13 y’iteka rya Perezida ryavuzwe haruguru ivuga ko amafaranga y’ibyakoreshejwe asubizwa hashingiwe ku bimyetso bihamye kandi bidashikanwaho kandi ngo mu rubanza nta byagaragajwe, ikindi ngo n’izisabwa ngo zikabije kuba ikirenga. [29] Uhagarariye Bizimana Peter Joseph avuga ko ntacyo SANLAM AG PLC ishingiraho igaragaza ko ari ikirenga ukurikije ko ubwayo yanze gutanga indishyi nk’uko ziteganywa n’Iteka rya Perezida No 31/01 ryo kuwa 25/08/2003. Akomeza asobanura ko kuva kuri SANLAM akajya kwa SINA Gerard akahava akajya i Gicumbi, kuva mu mwaka wa 2018 kugeza uno munsi muri 2023 imyaka 5 igiye kurangira kubera ahanini gutereranwa na SANLAM na SINA Gerard, ibi byateje stress cyane ku buryo indishyi zagenwe ku bayakoresheje zifite ishingiro. UKO URU RUKIKO RUBIBONA [30] Ku bijyanye n’iki kibazo, uru Rukiko rusanga bigaragara ko Bizimana yivuje, kandi ko hari ibyo yakoresheje akurikirana urubanza rwe kuva impanuka yaba, bityo rukaba rusanga indishyi zatanzwe n’urukiko rwaciye uru rubanza ku rwego rwa mbere zikwiye guhamaho, kuko zatangiwe ibimenyetso, kandi ko nta gukabya kurimo. Gusuzuma indishyi z’igihembo cy’avoka n’ikurikiranarubanza zisabwa ku rwego rw’ubujurire [31] Uhagarariye Bizimana Peter Joseph avuga ko uyu asaba amafaranga y’igihembo cy’avoka ku rwego rw’ubujurire kingana na 500,000 Frw hakiyongeraho n’ikurikiranarubanza rya 300,000 Frw ku rwego rw’ubujurire, asaba kandi na 500.000 FRW y’indishyi y’akababaro kubera iki gihe cyose gishize asiragira ku rubanza kandi yararenganye. [32] Uhagarariye SINA Gerard avuga ko asaba urukiko gutegeke SANLAM PLC kwishyura amafaranga yo gushorwa mu manza z’amaherere kubera ko itubahirije amasezerano y'ubwishingizi bigatuma habaho imanza, bityo ko yategekwa gusubiza SINA Gerard 500.000 frw yishyuye mu rukiko Rwisumbuye rwa Gicumbi (300,000 frw) y’igihembo cy’Avocat mu bujurire, asaba kandi ko SANLAM itegekwa no kumwishyura 500,000frw y'indishyi z'akababaro. Uhagarariye SANLAM avuga ko kuri iyi ngingo y'indishyi zinyuranye zisabwa n'Uregwa ndetse na SINA Gerard, nta shingiro zifite kuko ngo ubujurire bwayo bwumvikana kandi bukaba bufite ishingiro. UKO URUKIKO RUBIBONA [33] Urukiko rusanga kuri iyi ngingo, ubujurire bwa SANLAM AG PLC bufite ishingiro kuri bimwe nk’uko byasobanuwe haruguru, bivuze ko haribyo itsindira n’ibyo umuburanyi wayo atsindira, kubera izo mpamvu rukaba rusanga nta ndishyi zigomba gutangwa, ahubwo buri muburanyi agomba kwirengera indishyi z’ibyo yatanze ku rubanza, igarama ryatanzwe ryo rigahera mu isanduku ya Leta.

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ICYEMEZO CY’URUKIKO [34] Urukiko Rukuru Rwemeje kwakira ubujurire bwatanzwe na SANLAM AG Plc rubusuzumye rusanga bufite ifishingiro kuri bimwe; Rutegetse ko imiikirize y’urubanza rwajuririwe RC 00012/021/TGI/GIC rwaciwe kuwa 18/01/2022 ihindutse kuri bimwe; Rutegetse ko indishyi z’ibangamiraburambe mu kazi zingana na 540.000 frw, indishyi z’ibangamiraburanga zingana na 108.000 frw n’indishyi z’ubumuga bw’igihe gito zingana na 162.000 frw zari zahawe Bizimana Peter Joseph ku rwego rwa mbere zikuweho; Rutegetse ko ku bireba inzindi ndishyi zitari izivuzwe haruguru, hahamaho imikirize y’urubanza rwajuririwe RC 00012/021/TGI/GIC rwaciwe kuwa 18/01/2022. Rwemeje ko buri muburanyi yirengera indishyi z’ibyo kuri uru rubanza mu kurukurikirana mu rukiko no kuruburana kuri uru rubanza ku rwego rw’ubujurie; Rutegetse ko igarama ryatanzwe rihera mu isanduku ya Leta.