SORAS AG Ltd v MUKANDORI N’ABANDI

# SORAS AG Ltd v MUKANDORI N’ABANDI

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2024-02-23 - Case/document no.: RS/INJUST/RC 00012/2022/CA - Collection: Court of Appeal

## Text

## Page 1

SORAS AG Ltd v MUKANDORI N’ABANDI [Rwanda URUKIKO RW’UBUJURIRE – RS/INJUST/RC 00012/2022/CA (Nyirandabaruta, P.J; Kamere na Munyangeri J.) 23 Gashyantare 2024] Itegeko rigenga imiburanishirize y’imanza mbonezamubano – kujurira – imbibe z’icyajuririwe – Ku rwego rw’ubujurire, Urukiko rucira urubanza ku ngingo zatanzwe n’uwajuriye cyangwa zatanzwe n’uwatanze ubujurire bwuririye ku bundi, Itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 156. Amategeko mbonezamubano – uburyo bwo kwishyura indishyi ku bubabare bw'umubiri buturutse ku mpanuka zitewe n’ibinyabiziga – Indishyi mbangamirabukungu – Umuntu ukora umwuga wo gutwara abantu kuri moto atahana ku mwaka, miliyoni ebyiri n’ibihumbi magana ane (2.400.000Frw) hakurwamo umusoro ku musaruro ungana n’ibihumbi mirongo irindwi na bibiri (72,000Frw) n’umusoro ku ipatanti ungana n’ibihumbi umunani (8.000Frw) gasigara miliyoni ebyiri n’ibihumbi Magana atatu na makumyabiri (2.320.000Frw). Incamake y’ikibazo: Uru rubanza rwatangiye Abafite uburenganzira ku ndishyi zikomoka ku mpanuka yahitanye Kayiranga bahagarariwe na Mukandori, barega SANLAM AG Plc mu Rukiko Rwisumbuye rwa Nyamagabe nyuma yuko inzira y’ubwumvikane niyo sosiyete y’ubwishingizi idashobotse, basaba Urukiko guhabwa indishyi zitandukanye zikomoka kuri iyo mpanuka, bavuga ko indishyi zashingira ko Kayiranga yakoraga umwunga wo gutwara abagenzi kuri moto, akorera amafaranga ibihumbi icumi (10.000Frw) ku munsi. SANLAM AG Plc yireguye ivuga ko kuba Koperative yitwa Cottamohu ari yo yemeje ko Kayiranga Augustin yakoreraga amafaranga ibihumbi icumi (10.000Frw) ku munsi nta shingiro bikwiye guhabwa kuko iyo Koperative idafite ububasha bwo kwemeza uwo musaruro, ivuga ahubwo ko indishyi zabarwa hashingiwe kuri SMIG y’amafaranga ibihumbi bibiri na magana atanu (2.500Frw) ku munsi. Urukiko mu rubanza RC00034/2020/TGI/NYGE rushingiye ku nyandiko cyatanzwe na Koperative y’abatwara abagenzi kuri moto yitwa Cottamohu kigaragaza ko Kayiranga Augustin yatahanaga amafaranga ibihumbi bitanu (5.000Frw) ku munsi, rwemeje ko ikirego cya Mukandori na bagenzi be gifite ishingiro; ko SANLAM AG Plc yishyura Mukandori na bagenzi be indishyi zitandukanye zingana na 11.982.396Frw. SANLAM AG Plc yajuririye urwo rubanza mu Rukiko Rukuru, Urugereko rwa Nyanza, inenga Urukiko Rwisumbuye rwa Nyamagabe kuba rwarabaze indishyi mbangamirabukungu ruvuga ko Kayiranga yari afite umushahara uzwi, nyamara ngo yo itemera umushahara wemejwe na Koperative y’abatwara abagenzi kuri moto nyakwigendera yabagamo; ivuga kandi ko Urukiko rwabaze amafaranga yo gushyingura y’umurengera, ikavuga ko hakwiye gutangwa amafaranga ibihumbi magana abiri (200.000Frw) yo gushyingura.

## Page 2

Urukiko mu rubanza RCA00045/2021/HC/NYZ rwemeje ko, Ubujurire bwa SANLAM AG Plc nta shingiro bufite; ubujurire bwuririye ku bundi bw’abaregera indishyi bufite ishingiro; rutegeka SANLAM AG Plc kwishyura abarega indishyi zitandukanye zingana na 21.667.092Frw SANLAM AG Plc yandikiye Perezida w’Urukiko rw’Ubujurire isaba ko urubanza RCA00045/2021/HC/NYZ rwaciwe n’Urukiko Rukuru, Urugereko rwa Nyanza rusubirishwamo ku mpamvu z’akarengane, uyu abikorera raporo Perezida w’Urukiko rw’Ikirenga, maze mu cyemezo n˚ 184/CJ/2022 Perezida w’Urukiko rw’Ikirenga yemeza ko rusubirwamo ku mpamvu z’akarengane, rukazaburanishwa n’Urukiko rw’Ubujurire. SANLAM AG Plc inenga kuba Urukiko Rukuru, Urugereko rwa Nyanza rutaraciriye urubanza mu mbibi z’icyajuririwe, ko rwageneye Kayiranga Gad amafaranga y’indishyi z’imbangamirabukungu hadatanzwe ikimenyetso kigaragaza umusaruro ise nyakwigendera Kayiranga Augustin yinjizaga mu gihe cy’amezi cumi n’abiri (12) yabanjirije impanuka. isaba kandi Urukiko gutegeka abaregwa kuyiha amafaranga y’ibyagiye ku rubanza. Abaregera indishyi, bavuga ko mu kugena indishyi, Urukiko Rukuru, Urugereko rwa Nyanza nta kosa rwakoze. Ku birebana n’ amafaranga y’ibyagiye ku rubanza, bavuga ko ntayo SANLAM AG Plc ikwiye guhabwa kuko ntacyo yatakaje, ahubwo ko ariyo ikwiye kuyabaha kubera gukomeza kubashora mu manza. Urukiko mu rubanza RS/INJUST/RC 00012/2022/CA, rwemeje ko Urukiko Rukuru, Urugereko rwa Nyanza rutararenze imbibi z’icyajuririwe kuko abaregera indishyi nabo bagaragarije Urukiko ko batanyuzwe n’uburyo indishyi mbangamirabukungu zabazwemo. Rwemeje kandi ko indishyi bangamira bukungu zibarirwa ku mushahara wa 6.444Frw ku munsi aho kuba 10.000Frw nkuko byemejwe mu Rukiko Rukuru. Incamake y’icyemezo:1. Ku rwego rw’ubujurire, Urukiko rucira urubanza ku ngingo zatanzwe n’uwajuriye cyangwa zatanzwe n’uwatanze ubujurire bwuririye ku bundi. Bityo, ntabwo uwajuriye yavuga ko Urukiko rwarenze imbibi z’icyaregewe mu bujurire kuko Urukiko rushingira no ku bujurire bw’uririye kubw’uwajuriye. 2.Umuntu ukora umwuga wo gutwara abantu kuri moto atahana ku mwaka, miliyoni ebyiri n’ibihumbi magana ane (2.400.000Frw) hakurwamo umusoro ku musaruro ungana n’ibihumbi mirongo irindwi na bibiri (72,000Frw) n’umusoro ku ipatanti ungana n’ibihumbi umunani (8.000Frw) gasigara miliyoni ebyiri n’ibihumbi Magana atatu na makumyabiri (320.000Frw). Bityo, umusaruro ku munsi ugomba kubarirwaho indishyi mbangamirabukungu ku muntu ukora akazi ko gutwara abagenzi kuri moto ungana n’ibihumbi bitandatu n’amafaranga Magana ane na mirongo ine n’ane(6.444Frw). 3. Iyo urubanza rwarangijwe rukaza gusubirwamo, Urukiko rukemeza ko amafaranga umuburanyi agomba guhabwa ari munsi yayo yahawe rurangizwa, agomba gusubiza uwo baburana ikinyuranyo mu rwego rwo kwirinda kwikungahaza. 4. Amafaranga y’ikurikirana rubanza n’igihembo cya Avoka ntatangwa mu rubanza rwo gusubirishamo ku mpamvu z’akarengane, iyo buri muburanyi agize ibyo atsindira. Gusubirishamo urubanza ku mpamvu z’akarengane bifite ishingiro kuri bimwe.

## Page 3

Amategeko yashingiweho: Itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 111 n’iya 156 Imanza zifashishijwe: RS/INJUST/RC 00009/2022/SC, SANLAM AG Plc v Uwihanganye Jean, rwaciwe n’Urukiko rw’Ikirenga ku wa 18/05/2023 Urubanza I. IMITERERE Y’URUBANZA [1] Ku wa 23/05/2018, imodoka camionnette yo mu bwoko bwa Mitsubishi FUSO ifite plaque RAB 173 N yari ifite ubwishingizi muri SORAS AG Ltd (yahindutse SANLAM AG Plc) itwawe n’umushoferi witwa Kabengera Camille, yakoreye impanuka mu Mudugudu wa Maraba, Akagari ka Kiyonza, Umurenge wa Ngoma, Akarere ka Nyaruguru irenga umuhanda, maze umugenzi yari itwaye witwa Kayiranga Augustin ahita apfa. [2] Abafite uburenganzira ku ndishyi zikomoka kuri iyo mpanuka barimo umwana wa nyakwigendera witwa Kayiranga Gad, umubyeyi we witwa Mukandori Madeleine n’umuvandimwe we witwa Mugisha Immaculée bashyikirije iyo sosiyete y’ubwishingizi ibyangombwa bikenerwa kugira ngo barangize ikibazo cy’indishyi mu bwumvikane ntibyashoboka, biba ngombwa ko batanga ikirego mu Rukiko Rwisumbuye rwa Nyamagabe, basaba guhabwa indishyi zikomoka kuri iyo mpanuka, zose hamwe zingana n’amafaranga miliyoni makumyabiri n’icyenda, ibihumbi magana atandatu na mirongo itatu n’umunani na magana atatu na mirongo itatu n’umunani (29.638.338Frw), bakaba barasobanuriye Urukiko ko Kayiranga Augustin yakoraga umwunga wo gutwara abagenzi kuri moto, akorera amafaranga ibihumbi icumi (10.000Frw) ku munsi. [3] SANLAM Assurances Générales Plc (SANLAM AG Plc) yireguye ivuga ko kuba Koperative yitwa Cottamohu ari yo yemeje ko Kayiranga Augustin yakoreraga amafaranga ibihumbi icumi (10.000 Frw) ku munsi nta shingiro bikwiye guhabwa kuko iyo Koperative idafite ububasha bwo kwemeza uwo musaruro, ko ahubwo yo yasangaga indishyi zabarwa hashingiwe kuri SMIG y’amafaranga ibihumbi bibiri na magana atanu (2.500Frw) ku munsi. [4] Mu rubanza RC00034/2020/TGI/NYGE rwaciwe n’Urukiko Rwisumbuye rwa Nyamagabe ku wa 05/05/2021, urwo Rukiko rushingiye ku nginyo ya 21, iya 22, iya 23 z’Iteka rya Perezida N˚ 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwshyura indishyi ku bubabare biturutse ku mpanuka zitewe n’ibinyabiziga, no ku kimenyetso cy’inyandiko cyatanzwe na Koperative y’abatwara abagenzi kuri moto yitwa Cottamohu kigaragaza ko Kayiranga Augustin yatahanaga amafaranga ibihumbi bitanu (5.000Frw) ku munsi, rwemeje ko: Ikirego cya Kayiranga Gad, Mukandori Madeleine na Mugisha Consolée gifite ishingiro ;

## Page 4

SANLAM AG Plc yishyura Kayiranga Gad indishyi y’ibangamirabukungu ingana n’amafaranga miliyoni umunani, ibihumbi magana inani na cumi na bitandatu na magana abiri na mirongo icyenda n’atandatu (8.816.296Frw); SANLAM AG Plc yishyura Kayiranga Gad indishyi y’ibangamirwa ku muco zingana n’amafaranga ibihumbi magana inani na cumi (810.000Frw); SANLAM AG Plc yishyura Mukandori Madeleine indishyi y’ibangamirwa ku muco zingana n’amafaranga ibihumbi magana inani na cumi (810.000Frw); SANLAM AG Plc yishyura Mugisha Immaculée indishyi y’ibangamirwa ku muco zingana n’amafaranga ibihumbi magana atanu na mirongo ine (540.000Frw); SANLAM AG Plc yishyura abarega amafaranga ibihumbi magana acyenda na mirongo icyenda na bine na magana atanu (994.500Frw) yakoreshejwe mu gushyingura ; SANLAM AG Plc yishyura abarega amafaranga ibihumbi umunani na magana ane (8.400 Frw) yaguzwe dosiye, amafaranga igihumbi na amagana abiri (1.200Frw) yaguzwe icyemezo cyemeza ko Kayiranga Gad yapfuye, amafaranga ibihumbi bibiri (2.000Frw) yatanzwe ku byemezo by’irangamimerere, yose hamwe akaba amafaranga miliyoni cumi n’imwe, ibihumbi magana acyenda na mirongo inani na bibiri na magana atatu na mirongo icyenda n’atandatu (11.982.396Frw); SANLAM AG Plc yishyura abarega amafaranga ibihumbi magana atanu (500.000Frw) Y’igihembo cya Avoka ; SANLAM AG Plc yishyura abarega amafaranga ibihumbi makumyabiri (20.000 Frw) Batanzeho ingwate y’amagarama barega. [5] SANLAM AG Plc yajuririye urwo rubanza mu Rukiko Rukuru, Urugereko rwa Nyanza, inenga Urukiko Rwisumbuye rwa Nyamagabe kuba : Rwarabaze indishyi mbangamirabukungu ruvuga ko Kayiranga Augustin yari afite umushahara uzwi, nyamara yo itemera umushahara wemejwe na Koperative y’abatwara abagenzi kuri moto nyakwigendera yabagamo ; Rwarabaze amafaranga yo gushyingura y’umurengera, ikaba yo yarasangaga hakwiye gutangwa amafaranga ibihumbi magana abiri (200.000Frw) yo gushyingura. [6] Kayiranga Gad, Mukandori Madeleine na Mugisha Immaculée bireguye bavuga ko ahubwo basanga indishyi mbangamirabukungu zari zikwiye kubarwa hashingiwe ku mushahara w’amafaranga ibihumbi icumi (10.000Frw) ku munsi ngo kubera ko Kayiranga Augustin yatwaraga moto ye bwite kandi ko kuba baragenewe amafaranga yakoreshejwe mu gushyingura angana uko yagaragajwe, byatewe n’uko bagaragarije Urukiko ibimenyetso. Batanze ubujurire bwuririye ku bwa SANLAM AG Plc basaba ko SANLAM AG Plc ibasubiza amafaranga bahembye abahesha b’inkiko bakoreshejwe mu kuyimenyesha ibijyanye n’iburanisha ry’uwo rubanza n’amafaranga yishyuwe mu buruhukiro

## Page 5

(morgue). Bashoje basaba Urukiko gutegeka SANLAM AG Plc kubasubiza amafaranga y’igihembo cya Avoka. [7] Mu rubanza RCA00045/2021/HC/NYZ rwaciwe n’Urukiko Rukuru, Urugereko rwa Nyanza ku wa 29/04/2022, urwo Rukiko rushingiye ku ngingo ya 6, b y’Amabwiriza n˚ 22/2008 ya Komiseri w’imisoro y’imbere mu gihugu yo ku wa 25/08/2008 arebana n’uburyo bushya bwo gusoresha umusoro ku nyungu n’umusoro ku mushahara w’umushoferi ku binyabiziga, ku Itegeko n˚ 016/2018 ryo ku wa 13/04/2018 rishyiraho imisoro ku musaruro, ku ngingo ya 3 n’iya 108 z’Itegeko n˚ 15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, ku ngingo, ku ngingo ya 12, iya 111 n’iya z’Itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, no ku ngingo ya 33 y’Amabwiriza n˚ 01/2014 agenga ibihembo mbonera by’Abavoka, rwemeje ko: Ubujurire bwa SANLAM AG Plc nta shingiro bufite; Ubujurire bwuririye ku bundi bw’abaregera indishyi bufite ishingiro; Imikirize y’urubanza n˚ RC 00034/2020/TGI/NYBE rwajuririwe ihindutse kuri bimwe; SANLAM AG Plc yishyura Kayiranga Gad indishyi z’ibangamirabukungu zingana n’amafaranga y’u Rwanda miliyoni cumi n’indwi, ibihumbi magana atandatu na mirongo itatu na bibiri na magana atanu na mirongo icyenda na bibiri (17.632.592Frw); SANLAM AG Plc yishyura Mukandori Madeleine indishyi z’ibangamirabukungu zingana n’amafaranga ibihumbi magana inani na cumi (810.000Frw); SANLAM AG Plc yishyura Mugisha Immaculée indishyi z’ibangamirabukungu zingana amafaranga ibihumbi magana atanu na mirongo ine (540.000Frw); SANLAM AG Plc yishyura abarega amafaranga ibihumbi magana acyenda na mirongo icyenda na bine na magana atanu (994.500 Frw) yakoreshejwe mu gushyingura; SANLAM AG Plc yishyura abaregera indishyi amafaranga ibihumbi umunani na magana ane (8.400 Frw) yaguzwe dosiye n’amafaranga igihumbi na magana abiri (1.200Frw) yaguzwe icyemezo cy’uko Kayiranga Augustin yapfuye; SANLAM AG Plc yishyura abaregera indishyi amagaranga ibihumbi bibiri (2.000Frw) yatanzwe mu kugura ibyemezo by’irangamimerere; SANLAM AG Plc kwishyura abaregera indishyi amafaranga ibihumbi mirongo inani (80.000 Frw) yishyuwe abahesha b’inkiko n’amafaranga ibihumbi cumi n’umunani na magana ane (18.400 Frw) yishyuwe uburuhukiro (morgue); SANLAMAG Plc yishyura abaregera indishyi amafaranga ibihumbi magana arindwi na mirongo itanu (750.000Frw) y’igihembo cya Avoka ku rwego rwa mbere no ku rwego rw’ubujurire bwa mbere; SANLAM AG Plc kwishyura abarega amafaranga ibihumbi makumyabiri (20.000Frw)

## Page 6

y’ingwate y’igarama batanze ku rego rwa mbere; indishyi zose hamwe SANLAM AG Plc igomba gutanga zingana n’amafarnga miliyoni makumyabiri n’ime, ibihumbi magana atandatu na mirongo itandatu na birindwi na mirongo icyenda n’abiri (21.667.092Frw); amafaranga ibihumbi mirongo ine (40.000Frw) SANLAM AG Plc yatanzeho ingwate y’amagarama aheze mu Isanduku ya Leta. [8] Kayiranga Gad, Mukandori Madeleine na Mugisha Immaculée bandikiye Perezida w’Urukiko rw’Ubujurire basaba ko urubanza RCA00045/2021/HC/NYZ rwaciwe n’Urukiko Rukuru, Urugereko rwa Nyanza ku wa 29/04/2022 rusubirishwamo ku mpamvu z’akarengane, uyu abikorera raporo Perezida w’Urukiko rw’Ikirenga, maze mu cyemezo n˚ 184/CJ/2022 cyo ku wa 21/09/2022, yemeza ko rusubirwamo ku mpamvu z’akarengane, rukazaburanishwa n’Urukiko rw’Ubujurire. Urwo rubanza rwanditswe kuri RS/INJUST/RC00012/2022/CA, maze nyuma y’imihango ntegurarubanza yose, hemezwa ko ruzaburanishwa ku wa 05/02/2024. [9] Uwo munsi ababuranyi bose baritabye, SANLAM AG Plc ihagarariwe na Me Nkeza Sempundu Clément afatanyije na Me Niyondora Nsengiyumva, Kayiranga Gad, Mukandori Madeleine na MUGISHA Immaculée bahagarariwe na Me Rwabigwi Augustin. [10] Mu myanzuro no mu miburanire, abahagarariye SANLAM AG Plc banenga kuba Urukiko Rukuru, Urugereko rwa Nyanza rutaraciriye urubanza mu mbibi z’icyajuririwe, kuba rwarageneye Kayiranga Gad amafaranga y’indishyi z’imbangamirabukungu hadatanzwe ikimenyetso kigaragaza umusaruro nyakwigendera Kayiranga Augustin yinjizaga mu gihe cy’amezi cumi n’abiri (12) yabanjirije impanuka. Basoza basaba Urukiko gutegeka abaregwa guha sosiyete bahagarariye amafaranga y’ibyagiye ku rubanza. [11] Uhagarariye Kayiranga Gad, Mukandori Madeleine na Mugisha Immaculée avuga ko mu kugena indishyi, Urukiko Rukuru, Urugereko rwa Nyanza nta kosa rwakoze. Ku birebana n amafaranga y’ibyagiye ku rubanza SANLAM AG Plc isaba, bavuga ko ntayo ikwiye guhabwa kuko ntacyo yatakaje, ahubwo ko ariyo ikwiye kuyabaha kubera gukomeza kubashora mu manza. [12] Harebwe impaka ziri muri uru rubanza, harasuzumwa ibibazo bikurikira: Kumenya niba Urukiko Rukuru, Urugereko rwa Nyanza, rwararenze imbibi z’icyajuririwe; Kumenya uko indishyi z’ibangamirabukungu zikwiye kubarwa; Ibyerekeye amafaranga y’ikurikiranarubanza n’igihembo cya Avoka ababuranyi basaba II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA

## Page 7

1.Kumenya niba Urukiko Rukuru, Urugereko rwa Nyanza, rwararenze imbibe z’icyajuririwe [13] Abahagarariye SANLAM AG Plc bavuga ko mu rubanza RCA00045/2021/HC/NYZ, sosiyete bahagarariye ari yo yonyine yari yajuriye, Kayiranga Gad, Mukandori Madeleine na Mugisha Immaculée ntibatanga ubujurire bwuririye ku bwa SANLAM AG Plc, nyamara Urukiko ruca urubanza ruvuga ko umusaruro Kayiranga Augustin yinjizaga ku munsi ungana n’amafaranga ibihumbi icumi (10.000 Frw), bituma rugenera Kayiranga Gad indishyi z’imbangamirabukungu zingana n’amafaranga miliyoni cumi n’indwi, ibihumbi magana atandatu na mirongo itatu na bibiri na magana atanu na mirongo icyenda n’abiri (17.632.592Frw), aho kwemeza amafaranga ibihumbi bitanu (5.000Frw).Urukiko Rwisumbuye rwa Nyamagabe rwari rwemeje ko ari wo musaruro yinjizaga ku munsi cyangwa ngo rwemeze amafaranga ibihumbi bitatu (3.000Frw) SANLAM AG Plc yavugaga ko ari yo indishyi zagombaga kubarirwaho. [14] Uhagarariye Kayiranga Gad, Mukandori Madeleine na Mugisha Immaculée avuga ko Urukiko Rukuru, Urugereko rwa Nyanza rutarenze imbibi z’icyajuririwe kubera ko SANLAM AG Plc yari yajuriye ivuga ko indishyi mbangamirabukungu zabazwe mu buryo bunyuranyije n’amategeko, urwo Rukiko rusanga ahubwo ku rwego rwa mbere harabayeho kubarira nabi amafaranga Koperative y’abamotari yemeje ko Kayiranga Augustin yinjizaga, rukosora amakosa yakozwe, rwemeza ko izo ndishyi zagombaga kubarwa hashingiwe ku mafaranga ibihumbi icumi (10.000Frw) ku munsi kandi ko ari byo abaregera indishyi bari basabye, rukaba rwarabikoze rushingiye ku ngingo ya 154 y’Itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ndetse no ku ngingo ya 108 y’Itegeko n˚15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo. Uko Urukiko rubibona [15] Impaka kuri iyi ngingo zishingiye ku kumenya niba mu guca urubanza, Urukiko Rukuru, Urugereko rwa Nyanza rwararenze imbibi z’icyajuririwe. [16] Ingingo ya 156 y’Itegeko N˚ 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko Urukiko rwajuririwe ruburanisha gusa ubujurire mu mbibi z’icyajuririwe, rugafata icyemezo ku ngingo zatumye uwajuriye ajurira cyangwa uwabwuririyeho nawe akajurira. [17] Iyi ngingo y’Itegeko yumvikanisha ko ku rwego rw’ubujurire, Urukiko rucira urubanza gusa ku ngingo zatanzwe n’uwajuriye cyangwa zatanzwe n’uwatanze ubujurire bwuririye ku bundi. [18] Dosiye y’urubanza RCA00045/2021/HC/NYZ rwaciwe n’Urukiko Rukuru, Urugereko rwa Nyanza ku wa 29/04/2022 ari narwo rusubirishwamo ku mpamvu z’akarengane, igaragaza ko Me Munyentwari Eric mu izina ry’abaregwaga, yatanze urutonde rw’ibibazo byagombaga gusuzumwa bikurikira: Gusubizwa amafaranga yishyuwe abahesha b’Inkiko; Gusubizwa amafaranga ya morgue umucamanza wa mbere atabasubije;

## Page 8

Gutegeka SANLAM AG Plc gutanga amafaranga miliyoni eshatu (3.000.000Frw) Y’igihembo cya Avoka; Gutegeka SANLAM AG Plc guha abafitanye isano na Kayiranga Augustin indishyi zingana n’amafaranga miliyoni cumi n’umunani, ibihumbi mirongo itandatu na birindwi na magana ane na mirongo ine n’atanu (18.067.445Frw). [19] Urukiko rero rurasanga mu rubanza rusubirishwamo ku mpamvu z’akarengane, ingingo irebana n’uburyo indishyi mbangamirabukungu zagombaga kubarwa, ku itariki ya 09/10/2021 uruhande rw’abaregwa na rwo rwarayitanze mu bibazo rwashyikirije Urukiko rusaba ko bigomba kuzasuzumwa, aho rwakomeje kuvuga ko zari zikwiye kubarwa hashingiwe ku kuba nyakwigendera Kayiranga Augustin yarakoreraga umushahara ungana n’amafaranga ibihumbi icumi (10.000Frw) ku munsi kandi akoresha moto ye bwite. Ibyo bisobanuro batangaga ni byo bahereyeho basaba ko Urukiko Rukuru, Urugereko rwa Nyanza rugenera abafitanye isano na Kayiranga Augustin indishyi zingana n’amafaranga miliyoni cumi n’umunani, ibihumbi mirongo itandatu na birindwi na magana ane na mirongo ine n’atanu (18.067.445Frw). [20] Kubera izo mpamvu, Urukiko rw’Ubujurire rurasanga Urukiko Rukuru, Urugereko rwa Nyanza rutararenze imbibi z’icyajuririwe kuko Kayiranga Gad na we yari yarugaragarije ko atanyuzwe n’uburyo indishyi mbangamirabukungu zabazwemo. 2.Kumenya uko indishyi z’ibangamirabukungu zikwiye kubarwa [21] Abahagarariye SANLAM AG Plc bavuze ko nyuma yo kubona urubanza rwaciwe n’Urukiko rw’Ikirenga rutanga umurongo ku kibazo gisa n’iki, bahinduye ibyo bari baravuze mu myanzuro no mu miburanire. Basobanura ko muri urwo rubanza, Urukiko rw’Ikirenga rwemeje ko umumotari ufite moto imwanditseho ariko atagaragaza umusaruro yinjiza ku mwaka, abarirwa umusaruro ungana n’amafaranga ibihumbi bitandatu na magana ane na mirongo ine n’ane (6.444Frw) ku munsi, ko rero basanga indishyi mbangamirabukungu zabazwe n’Urukiko Rukuru, Urugereko rwa Nyanza, zikwiye kuvanwa ku mafaranga ibihumbi icumi (10.000Frw) zabariweho ku munsi, zikabarirwa ku mafaranga ibihumbi bitandatu na magana ane na mirongo ine n’ane (6.444Frw) ku munsi, hanyuma Kayiranga Gad akazasubiza sosiyete bahagarariye amafaranga yarenze kuyo yagombaga guhabwa, kubera ko urubanza rusubirishwamo ku mpamvu z’akarengane rwarangijwe akaba yarahawe indishyi z’ibangamirabukungu zingana n’amafaranga miliyoni cumi n’indwi, ibihumbi magana atandatu na mirongo itatu na bibiri na magana atanu na mirongo icyenda n’abiri (17.632.592Frw). [22] Uhagarariye abaregwa avuga ko urubanza rwaciwe n’Urukiko rw’Ikirenga rudakwiye gushingirwaho muri uru rubanza kubera ko nyakwigendera Kayiranga Augustin yakoreshaga moto ye hari n’icyemezo cya Koperative y’abatwara moto kigaragaza ko yinjizaga amafaranga ibihumbi icumi (10.000Frw) ku munsi, kandi ko hanarebwa niba hari ikimenyetso Urukiko rw’Ikirenga rwashingiyeho rutanga umurongo cyaba gisa n’icyashingiweho n’Urukiko Rukuru, Urugereko rwa Nyanza mu rubanza rusubirishwamo ku mpamvu z’akarengane. Ku birebana n’amafaranga y’indishyi mbangamirabukungu Kayiranga Gad yishyuwe SANLAM AG Plc ikaba isaba ko iyisubiza arengaho, avuga koko ko Kayiranga Gad yishyuwe ayo mafaranga.

## Page 9

Uko Urukiko rubibona [23] Impaka kuri iyi ngingo zishingiye ku kumenya uburyo indishyi mbangamirabukungu zikwiye kubarwa. [24] Impaka nk’izi zakemuwe mu rubanza RS/INJUST/RC 00009/2022/SC haburana SANLAM AG Plc na Uwihanganye Jean, rwaciwe n’Urukiko rw’Ikirenga ku wa 18/05/2023. Muri urwo rubanza, Urukiko rw’Ikirenga ntirwahaye agaciro icyemezo cyatanzwe na Perezida wa Koperative Giovim cyemezaga ko Uwihanganye Jean yatahanaga amafaranga ibihumbi icumi (10.000Frw) ku munsi kuko nta bimenyetso byagaragajwe byashingiweho hemezwa ayo mafaranga, maze rusanga mu kugena indishyi mbangamirabukungu hakwiye kurebwa umusaruro mbumbe abandi bakora umwuga nk’uwe batahana ku mwaka, rwanzura ko umuntu ukora umwuga wo gutwara abantu kuri moto atahana ku mwaka, hamaze kuvanwamo umusoro ku musaruro n’umusoro ku ipatanti ungana n’amafaranga miliyoni ebyiri n’ibihumbi magana ane (2.400.000Frw) –amafaranga ibihumbi mirongo irindwi na bibiri (72.000 Frw) – amafaranga ibihumbi umunani (8.000Frw) = amafaranga miliyoni ebyiri n’ibihumbi magana atatu na makumyabiri (2.320.000Frw), umusaruro atahana ku kwezi ukaba ungana n’amafaranga miliyoni ebyiri n’ibihumbi magana atatu na makumyabiri (2.320.000Frw) : amezi cumi n’abiri (12) = ibihumbi ijana na mirongo icyenda na bitatau na magana atatu na mirongo itatu na bitatu (193.333Frw), umusaruro atahana ku munsi ukaba ibihumbi ijana na mirongo icyenda na bitatu na magana atatu na mirongo itatu n’atatu (193.333Frw) : iminsi mirongo itatu (30) = ibihumbi bitandatu na magana ane na mirongo ine n’ane (6.444Frw). [25] Koko rero, kimwe no muri urwo rubanza, muri uru rubanza naho ubuyobozi bwa Koperative y’abamotari yitwa Cottahamu Kayiranga Augustin yabagamo bwari bwaremeje ko yatahanaga amafaranga ibihumbi icumi (10.000Frw) ku munsi ariko nta bimenyetso byagaragajwe byashingiweho hemezwa ayo mafaranga. Kubera izo mpamvu, indishyi mbangamirabukungu zagenewe Kayiranga Gad, zikaba zigomba kubarwa hashingiwe ku mafaranga ibihumbi bitandatu na magana ane na mirongo ine na bine (6.444Frw) ku munsi. [26] Urukiko rurasanga indishyi z’ibangamirabukungu zigomba guhabwa Kayiranga Gad Zikwiye kubarwa mu buryo bukurikira : ((6,4444 Frw x 30 x 12 x 19 x 2/3): 1 + (7.5% x 19)) = 12,117, 377 Frw [27] Hashingiwe ku bisobanuro byatanzwe mu murongo wafashwe mu rubanza rwasuzumye ikibazo gisa n’iki, uru Rukiko rurasanga SANLAM AG Plc yaragombaga guha Kayiranga Gad, indishyi z’ibangamirabukungu zingana n’amafaranga miliyoni cumi n’ebyiri, ibihumbi ijana na cumi na birindwi na magana atatu na mirongo irindwi n’arindwi (12,117,377Frw), nka mwene nyakwigendera Kayiranga Augustin. [28] Ku byerekeranye n’ibyo abahagarariye SANLAM AG Plc basaba ko Kayiranga Gad asubiza sosiyete bahagarariye amafaranga arenga kuyo yahawe kubera ko yarangije kwishyurwa indishyi z’ibangamirabukungu Urukiko Rukuru, Urugereko rwa Nyanza rwari rwategetse mu rubanza rusubirishwamo ku mpamvu z’akarengane kandi ko ziruta izo yagombaga guhabwa, Urukiko rurasanga uhagarariye abaregwa yemera koko ko urubanza RCA00045/2021/HC/NYZ rwarangijwe,

## Page 10

Kayiranga Gad akaba yarishyuwe indishyi z’ibangamirabukungu zingana n’amafaranga miliyoni cumi n’indwi, ibihumbi magana atandatu na mirongo itatu na bibiri na magana atanu na mirongo icyenda na bibiri (17.632.592Frw). [29] Urukiko rw’Ubujurire rurasanga mu rwego rwo kwirinda kwikungahaza nta mpamvu (enrichissement sans cause), Kayiranga Gad agomba gusubiza SANLAM AG Plc amafaranga y’indishyi z’ibangamirabukungu arenga ku yo yari akwiye guhabwa abazwe mu buryo bukurikira : 17,632,592Frw – 12,117,377 Frw= 5,515,215Frw. Bityo, Kayiranga Gad akaba agomba gusubiza SANLAM AG Plc amafaranga angana na miliyoni eshanu, ibihumbi magana atanu na cumi na bitanu na magana abiri na cumi n’atanu (5,515,215Frw). Ibyerekeye amafaranga y’ikurikiranarubanza n’igihembo cya Avoka ababuranyi basaba. [30] Abahagarariye SANLAM AG Plc basaba Urukiko gutegeka Kayiranga Gad, Mukandori Madeleine na Mugisha Immaculée gufatanya gusubiza sosiyete bahagarariye amafaranga y’ikurikiranarubanza n’igihembo cya Avoka angana na miliyoni imwe n’ibihumbi magana atanu (1.500.000Frw). Ku byerekeye amafaranga abaregwa basaba ko SANLAM AG Plc ibaha, bavuga ko nta shingiro afite kuko bagaragaje ko bemeye icyemezo cy’Urukiko, akaba nta n’ibimenyetso bashingiraho bayasaba. [31] Uhagarariye abaregwa avuga ko SANLAM AG Plc idakwiye guhabwa amafaranga isaba kubera ko nta cyo yatakaje, ko gushaka Avoka biri mu nyungu zayo, Asaba ahubwo uru Rukiko gutegeka SANLAM AG Plc kwishyura abo ahagarariye amafanga miliyoni ebyiri (2.000.000Frw) y’igihembo cya Avoka n’amafaranga ibihumbi magana atanu (500.000Frw) y’ikurikiranarubanza. Uko Urukiko rubibona [32] Ingingo ya 111 y’itegeko Nº 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko “Ikirego cy’amafaranga y’ikurikiranarubanza ni ikirego gishamikiye ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza. Ikirego cy’amafaranga y’ikurikiranarubanza kiburanishwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe.” [33] Urukiko rurasanga nta muburanyi ukwiye guhabwa amafaranga y’ikurikiranarubanza n’ay’igihembo cya Avoka, kubera ko buri ruhande rugize ingingo ruhaweho ukuri. III. ICYEMEZO CY’URUKIKO [34] Rwemeje ko ikirego cyatanzwe na SANLAM AG Plc cyo gusubirishamo ku mpamvu z’akarengane urubanza RCA00045/2021/HC/NYZ rwaciwe n’Urukiko Rukuru, Urugereko rwa Nyanza ku wa 29/04/2022, gifite ishingiro kuri bimwe. [35] Rwemeje ko Kayiranga Gad yagombaga guhabwa indishyi z’ibangamirabukungu zingana n’amafaranga miliyoni cumi n’ebyiri, ibihumbi ijana na cumi na birindwi na magana atatu na mirongo irindwi n’arindwi (12,117,377Frw).

## Page 11

[36] Rutegetse Kayiranga Gad gusubiza SANLAM AG Plc amafaranga miliyoni eshanu, ibihumbi magana atanu na cumi na bitanu na magana abiri na cumi n’atanu (5, 515, 215Frw) arenga ku ndishyi z’ibangamirabukungu yagombaga guhabwa.