UMULISA v SANLAM VIE Plc

# UMULISA v SANLAM VIE Plc

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2024-10-30 - Case/document no.: RSOCA 003402023/HC/KG - Collection: High Court

## Text

## Page 1

UMULISA v SANLAM VIE Plc [Rwanda URUKIKO RUKURU - RSOCA 003402023/HC/KG (Ndinda, P.J.) 30 Ukwakira 2024] Amategeko agenga imanza z’umurimo – Amasezerano y’imihigo – Kutesa imihigo - Kwiyemeza ibyo uzageraho mu mihigo y’akazi ariko ntubigereho, ntibyashingirwaho byonyine ngo umukozi asezererwe hatabanje kurebwa impamvu zabiteye no kureba niba umukozi yarahawe ibikenewe byose kugira ngo agere ku musaruro wifuzwa n’umukoresha. Incamake y’ikibazo: Umulisa yari umukozi wa SANLAM VIE Plc (Sanlam) wagengwagwa n’amasezerano y’igihe kitazwi. Yaje kujya ahindurirwa imirimo mu bihe bitandukanye, kuva ku wa 09/03/2011 kugeza ku wa 31/01/2022 aho umukoresha yamuhaye integuza yo gusesa amasezerano ngo bitewe no kudatanga umusaruro ushimishije. Uyu yaje gutanga ikirego mu Rukiko Rwisumbuye rwa Nyarugenge avuga ko yirukanwe mu buryo bunyuranije n’amategeko ndetse agahabwa n’icyemezo cy’umukoresha wa nyuma gikozwe nabi. Sanlam yo ivuga ko kwirukanwa kwe byatewe no kudatanga umusaruro hagendewe ku mihigo. Urukiko rwasanze ikirego cye nta shingiro gifite, akijuririra mu Rukiko Rukuru. Uru rukiko rwasuzumye ikibazo cyo kumenya niba Umulisa yarirukanwe mu buryo bunyuranije n’amategeko. Avuga ko urukiko rwemeje ko yirukanwe bikurikije amategeko kuko atabashije kwesa umuhigo wo gukora dosiye zingana na 1540 mu kwezi, akaba atarishimiye imikirize y'uru rubanza kuko urukiko rutahaye agaciro ibisobanuro n'ibimenyetso yatanze ahubwo rukita ku mvugo ya Sanlam idafite ibimenyetso. Akomeza avuga ko dosiye yari afite zose yazikoze kuko nyuma ya COVID abakiliya bagabanutse bigatuma haboneka dosiye nke cyane kandi izabonetse zose yarazikoze. Sanlam isobanura ko buri mwaka haba amasezerano y’imihigo, urega akaba yarahize kuzesa imihigo ye agakora dosiye 1540 ariko akaba atarabashije kuyikora bityo rero hagendewe ku masezerano y’akazi bagiranye ateganya ko umukozi agomba gutanga umusaruro yiyemeje, ibivugwa n’urega nta shingiro bifite. Incamake y’icyemezo: Kwiyemeza ibyo uzageraho mu mihigo y’akazi ariko ntubigereho, ntibyashingirwaho byonyine ngo umukozi asezererwe hatabanje kurebwa impamvu zabiteye no kureba niba umukozi yarahawe ibikenewe byose kugira ngo agere ku musaruro wifuzwa n’umukoresha. Ubujurire bufite ishingiro. Amategeko yashingiweho: Itegeko N° 66/2018 ryo ku wa 30/08/2018 rigenga umurimo mu Rwanda, ingingo ya 27, 30. Nta manza zifashishijwe Urubanza

## Page 2

IMITERERE Y’URUBANZA [1] Umulisa Bateta Chantal yakoreye SANLAM VIE Plc kuva ku wa 09/03/2011 nyuma amasezerano bari bafitanye yaje guhagarara ku wa 31/01/2022. [2] Chantal avuga ko yakoreye SANLAM VIE Plc kuva ku wa 09/03/2011 agengwa n’amasezerano y’akazi y’igihe kitazwi ko kandi yagiye ahindurirwa imirimo ku myanya itandukanye kugeza ku wa 31/01/2022 aho umukoresha yamuhaye integuza yo gusesa amasezerano ngo bitewe nu kudatanga umusaruro ushimishije kandi imyaka yose yagiye ahabwa amanota meza, ko yasezerewe nta mpamvu ko yasezerewe ku kazi mu buryo bunyuranyije n’amategeko, akaba asaba ko yahabwa indishyi zijyanye no kwirukanwa ku kazi binyuranyije n’amategeko, indishyi zijyanye nuko yahawe icyemezo cy’umukoresha wa nyuma gikozwe nabi no gusubizwa amafaranga y’ikurikiranarubanza n’ay’igihembo cy’avoka. [3] SANLAM VIE Plc ivuga ko Chantal yasezerewe ku kazi bitewe no kudatanga umusaruro yari yitezweho, ahabwa amanita make (Poor Performance) maze hashingiwe ku ngingo ya 16 y’amasezerano, SANLAM VIE Plc isesa amasezerano y’akazi yagiranye na Chantal kandi ko yasezerewe bitewe n’impamvu yumvikana kandi yabanje guhabwa integuza, ko yasezerewe ku kazi mu buryo bukurikije amategeko, bityo indishyi asaba nta shingiro yazo, ahubwo Chantal yategekwa kwishyura SANLAM VIE Plc amafaranga y’ikurikiranarubanza bitewe no kuyishora mu rubanza nta mpamvu. [4] Uru rubanza rwaburanishijwe mu ruhame kuwa 12/06/2023 Chantal yunganiwe na Me Intwazayamugabo Armand naho SANLAM VIE Plc ihagarariwe na Me Niyibizi Diogene. [5] Kuwa 27/10/2023 Urukiko Rwisumbuye rwa Nyarugenge rwaciye Urubanza Rwemeje ko ikirego cya Chantal nta shingiro gifite kuri byose; Rwemeje ko Chantal yasezerewe ku kazi bitewe n’impamvu yumvikana, akaba yasezerewe ku kazi mu buryo bukurikije amategeko; Rutegetse Chantal kwishyura igihembo cy’avoka wa Sanlam Vie Plc kingana n’ibihumbi maganarindwi (700.000frws); Rutegetse ko amafaranga ibihumbi makumyabiri(20.000Frws) Chantal yatanzeho ingwate y’amagarama arega ahwanye n’ibyarukozwemo. [6] Chantal ntiyishimiye imikirize y’urubanza maze ajuririra urukiko Rukuru rwa Kigali arusaba kwemeza ko Chantal yirukanwe binyuranije n'amategeko no gutesha agaciro urubanza No RSOC 00188/2022/TGI/NYGE mungingo zarwo zose. IBIBAZO BIZASUZUMWA - Kwemeza ko Chantal yirukanwe binyuranije n'amategeko no gutesha agaciro urubanza No RSOC 00188/2022/TGI/NYGE mungingo zarwo zose; - Gusuzuma ibijyanye n'indishyi zikomoka mu kwirukanwa mu kazi binyuranije n'amategeko; - Gusuzuma ibijyanye n’icyemezo cy’imirimo nahawe gikozwe nabi; - Gusuzuma ibijyanye no gusubizwa amafaranga y'ikurikirana rubanza n'igihembo cy'Avocat n`igarama;

## Page 3

ISESENGURA RY’IBIBAZO BIGIZE URUBANZA A. Kwemeza ko Chantal yirukanwe binyuranije n'amategeko no gutesha agaciro urubanza No RSOC 00188/2022/TGI/NYGE mu ngingo zarwo zose; [7] Chantal aburanisha ko mu rubanza RSOC 00188/2022/TGI/NYGE rujuririrwa urukiko mugika cyarwo cya 11, urukiko rwemeje ko yirukanywe bikurikije amategeko kuko atabashije kwesa umuhigo wo gukora dosiye zingana na 1540 mu kwezi, akaba atarishimiye imikirize y'uru rubanza kuko urukiko rutahaye agaciro ubusobanuro n'ibimetso batanze ahubwo rukita kumvugo ya SANLAM idafite ibimenyetso. Kwesa umuhigo wo gukora dossier 1540 kukwezi, mu mwaka wa 2020 nibwo covid 19 yageze mu Rwanda ndetse ingaruka zayo zimara igihe, Chantal ya yandikaga muri system imbanziriza mushinga z'abakiliya ba SANLAM zazanywe n'aba agents bayo mugihugu hose byumvikane neza ko akazi ka Chantal kabaga kenshi iyo SANLAM yabaga ifite abakiliya bashya kandi baza kubwinshi (new customers), rero muri iki gihe aba agents ntibakoraga neza kuburyo babona abakiliya ndetse no kugenda ntibari byemewe mubihe bimwe na bimwe, ndetse no mumya ka yakuriyeho 2021, 2022 ingaruka za covid 19 zarakomeje kuburyo abakiliya bari bacye cyane ugereranyije n'imyaka yambere ya covid, rero hakaba nta dossier nyinshi zari zihari zo gukora nizabaga zihari zabaga ari nke cyane zazanywe na ababo babikorana (agents) bo muri Kigali ku buryo yazikoraga akazirangiza ndetse akajya no gutanga umusanzu mu zindi departements zabaga zifite akazi kenshi, aha bavuga nko muri claims Departement, uretse kuvuga ko atesheje imihigo gusa itaranashobokaga muri icyo giye SANLAM ntago igaragaza rapporo ya dossier zakozwe (ivuge iti yakoze dossiers 1,000) ngo inagaragaze n'izitarakozwe (pendings) ngo abe arizo zishingirwaho mu kwemeza ko Chantal atesheje umuhigo, Perfomances za Chantal mumya ka itandukanye zigaragaza ko yari umukozi mwiza bataratangira kumushakaho impamvu, ukora akazi ke neza n'uburyo yagiye azamurwa mu ntera mubihe bitandukanye, kuvuga ko atakoze dossier 1540 ku kwezi ubwabyo ntashingiro byahabwa bakaba babona urukiko rwaragenekereje mu kwemeza ko Chantal atesheje imihigo. Urukiko rubone ko Chantal yirukanywe ku kazi ntampamvu ifatika kuko Perfomance yagiye agira, uburambe mu kazi ndetse no kuzamurwa mu ntera nyuma ibyo byose bikaza kuvamo umusaruro muke mu mwaka umwe. ibi akaba ari urwitwazo kuko bashatse kumwirukana bakabura icyo bashingiraho kuko bamumanuye muntera bakamushyira muyo hasi cyane akabihorera babonye ko ibyo bidafashe nibwo bazanye Perfomance Improvement Plan (PIP) ya 2021 kugirango izabe urwitwazo rwo kumwikiza, yakuwe muri system inshuro zigera muri 2 anjya gufasha abandi muzindi departements byumvikane ko akazi ke nka Underwriter yabaga yakarangije kuko ntiwafasha abandi ibyawe bikiraho,iyo mihigo, ivugwa ko yasinywe akora kumwanya wa underwriter, kuva covid yagenza amaguru macye abakozi bakemerwa gusubira mukazi igihe kinini yagikoze muri Claims Departement, no muri archive yakozemo (ikimenyetso cy'uko yagiye gukora muri claims Departement turagishyira muri System) kandi akaba atari kwanga kujya kuhakora ngo nuko atariho yasinye amasezerano y'akazi kuko avuga ko umukoresha afite uburenganzira bwo kugushyira muri departement iyo ariyo yose. Mu rubanza RSOC A 00152/2021/H C/ KIG rwaciwe n’Urukiko Rukuru kuwa 26/05/2022 haburana Nadine Séraphine na Banque Populaire du Rwanda Plc ( bpr ) kuba yaramwirukanye ku kazi binyuranyije n’amategeko kuko atageze ku mihigo yahawe, urukiko rwasobanuye ko umukozi yirukanwa kuko yakoze amakosa yagambiriye cyangwa se atagambiriwe ariko atari ugukora ntugere ku ntego yahawe n’umukoresha, impamvu urukiko rwagereranyije n’urukikiramende ruruhije gusimbuka, ruvuga ko hakwiye kujya habanza kurebwa ikibazo umukozi yagize mu kazi cyatumye izo ntego atazigeraho, nicyo umukoresha yamufashije kugirango intego ze azigereho, bitagaragazwa akaba yarasezerewe binyuranyije

## Page 4

n’amategeko. Bakaba bagannye urukiko ngo barenganurwe ku rwego rw'ubujurire, maze urubanza rujuririrwa ruteshwe agaciro mungingo zarwo zose hemezwe ko Chantal yirukanywe binyuranije n'amategeko. [8] SANLAM VIE Plc mu izina ry’umuyobozi wayo, nkuko twakomeje kubisobanura ndetse tunashingiye ku ngingo ya 150, agace 5 n’aka 6, 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 ibikurikira: “Ubujurire bukorwa mu buryo bw’umwanzuro utanga ikirego, ugaragaza: 5° urutonde rw’inenge z’urubanza zisabirwa gukosorwa n’ibindi bibazo bigomba gusuzumwa; 6° ibisobanuro kuri buri nenge cyangwa kuri buri kibazo bigaragaza amakosa yakozwe n’uburyo agomba gukosorwa hashingiwe ku mategeko n’ibimenyetso n’igisabwa urukiko”. Ingingo ya 3 y’Itegeko n° 15/2004 ryo ku wa 12/6/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ko buri muburanyi agomba kugaragaza ukuri kw’ibyo aburana, bashingiye na none ko murubanza RSOC 00188/2022/TGI/NYGE ajuririra urukiko mugika cyarwo cya 11 rwasesenguye impamvu Chantal yirukanwe kubera gudatanga umusaruro maze rukemeza ko " Urukiko rurasanga Chantal nubwo avuga ko yasezerewe ku kazi nta mpamvu yumvikana, ko nta masezerano yo kwesa umuhigo yarafitanye na SANLAM VIE Plc sibyo kuko nk’uko bigaragazwa n’amasezerano y’akazi bagiranye mu ngingo yayo ya 6 yateganyaga ko Chantal agomba gutanga umusaruro yiyemeje, ko aramutse adatanze umusaruro ushimishijwe umukoresha ashobora gusesa amasezerano yabo, byongeye kandi ko mu nama y’intumwa z’abakozi ba Sanlam Vie Plc mu rwego rwo gukemura ikibazo mu bwumvikane wiyemereye ko watanze umusaruro utashimishije bitewe n’imbogamizi wagiye uhura nazo,wemeraga ko koko utahuguye umuhigo wihaye wo gukora dosiye zingana na 1540 mu kwezi kandi ko mbere yuko umukoresha asesa amasezerano yabanje kumwandikira amezi 6 mbere amwibutsa icyo yitezeho ariko byarangiye nta kintu gihindutse,rurasanga rero kuba Chantal yarize umuhigo byaje kugaragara ko atawugezeho kandi ntagaragaze ko imbogamizi yahuye nazo zitamuturutseho,biragaragara ko icyo umukoresha yashingiyeho asesa amasezerano ari impamvu yumvikana yo gutanga umusaruro utashimishije (poor performance) kandi yahawe amanota 1.5/5,akaba atigeze ajuririra ayo manota,bishatse kuvuga ko yayemeraga,bityo Chantal yasezerewe ku kazi mu buryo bwemewe n’amategeko,bityo indishyi asaba muri uru rubanza nta shingiro yazo" Dushingiye kubyasesenguwe n'Urukiko murubanza ajuririra, ndetse nibyo itegeko riteganya bigomba kwitabwaho igihe umuntu ajurira, barasanga Chantal atabasha kuvuguruza ibyasesenguwe n'urukiko ngo agaragaze inenge abona mumikirize y'urubanza n'uburyo yakosorwa, amategeko n'ibimenyetso ashingiraho, rero kuba atarishimiye ubusesenguzi bwakozwe n'urukiko cyangwa kuba atarishimiye imikirize y'Urubanza nibisanzwe nk'umuburanyi watsinzwe urubanza kandi byo ubwabyo ntibihagije, akaba agomba kugaragaza inenge, amakosa byakozwe n'uburyo byakosorwa akarenganurwa ndetse n'amategeko n'ibimenyetso ashingiraho n'uburyo byirengagijwe murubanza ajuririra. Bityo barasaba urukiko: -kwakira ubujurire bwe ariko rukemeza ko ntashingiro bufite. - kwemeza ko urubanza RSOC 00188/2022/TGI/NYGE rugumyeho - Gutegeka Chantal kwishyura SANLAM VIE Plc ikurikirana rubanza n'igihembo cy'Avocat bingana na 2 000 000 Rwfs. - Gukora ibindi uko amategeko abiteganya Bizaba ari ubutabera. [9] Urukiko rusanga gushyiraho intego cyangwa imihigo birakwiriye kuko kudakorera ku ntego ni nko kuba umuntu adafite icyerekezo cyangwa atazi iyo ajya (agomba kugeraho). Ariko ntabwo abakoresha bakwiye kwirukana umukozi utageze ku ntego kubwo gusuzuma imibare gusa. Ikirebwa ni ugusuzuma niba intego yagerwaho (realizable, possible) umukozi yahawe ibituma

## Page 5

ayigeraho (amafaranga, imodoka, umwanya uhagije n`ibindi); hakarebwa rero niba ibyo byarakozwe bikarenga ntibigerweho (obligation des moyens) aho kuzira ko atazigezeho gusa (obligation des resultats) kuko umuntu agera kubyo afitiye ubushobozi (afitiye control). Ni muri urwo rwego umukozi ashobora kwishyuza ufitiye Banke inguzanyo cyangwa gushaka abafunguza konti ku buryo bukwiriye ariko ntibigerweho. Ibyo akaba atabiryozwa niba yakoze iyo bwabaga cyangwa uko ashoboye (il ne controle pas cette situation) bityo akaba uyu mukozi uvugwa muri uru rubanza atari gusezererwa ibyo biterekanwe cyane k`usanzwe akora kuva igihe kirekire, nta n`andi makosa ye yaragagajwe (nk`imyitwarire mibi, gusiba, gukererwa, uwitwara nabi kubakiriya; kuko atakora akazi neza ahubwo yateza igihombo n`icyizere gike ku mukoresha, ….). Indishyi rero zo guserera uwahoze ari umukozi byakozwe mu buryo bunyuranije n`amategeko zari zikwiye. Mu gihe iya 30 yumvikanisha ko ` Iseswa ry’amasezerano y’umurimo rinyuranyije n’amategeko rituma hatangwa indishyi. Indishyi zihabwa umukozi wirukanywe binyuranyije n’amategeko ntizishobora kujya munsi y’umushahara w’amezi atatu (3), ariko kandi ntizishobora kurenza umushahara ahabwa w’amezi atandatu (6)` z`itegeko ry`umurimo ryavuzwe haruguru. Iri tegeko riteganya ko ikosa ry`umukozi ryemezwa n`urukiko, si umukoresha wishyiriraho ibyaba ikosa rikomeye ryamuviramo kuva mu kazi kuko yaba abaye yica agakiza (juge et partie). Ikindi bamuhereye amanita kucyo atakoraga, ariko n`izo ntego ntakigaragaza ko yazihawe uretse uvuga ko atazigezeho agasezererwa. B. Gusuzuma ibijyanye n'indishyi zikomoka mu kwirukanwa mu kazi binyuranije n'amategeko; [10] Chantal arasaba urukiko mu bushishozi bwarwo gutegeka Sanlam Vie PLC kunyishyura indishyi zikomoka mu gusesa amasezerano mu buryo bunyuranije n’amategeko zingana n’umushahara wanjye inshuro 9 ubazwe mu buryo bukurikira: 861,475 x 9= 7,753,275 Rwf kuko narimfite uburambe bw'imyaka 11 mu kazi. [11] SANLAM VIE Plc mu izina ry’umuyobozi wayo, Murubanza RSOC 00188/2022/TGI/NYGE rujuririrwa, mugika cya 7,8,9,10 ndetse na 11 Urukiko rwasesenguye ibijyanye no kwirukanywa kwa Chantal maze rwemeza ko yirukanywe kuberako atabashije gutanga umusaruro uhagij e (Poor Performance) rero kuba atarishimiye ubusesenguzi bwakozwe n'Urukiko cyangwa icyemezo cy'urukiko nibisanzwe nk'umuburanyi watsinzwe urubanza, mugiye yiyemeje kujurira agomba kugargaza inenge n'amakosa abona mumikirize y'urubanza n'uburyo byakosorwa kugirango arenganurwe, amategeko n'ibimenyetso ashingiraho ubujurire bwe nuburyo bititaweho murubanza ajurira. Kuba rero ibi byose ntabyo Chantal agaragaza ngo abe aribyo ashingiraho ubujurire bwe, n'indishishyi asaba ntashingiro zahabwa nkuko byasesenguwe n'urukiko murubanza ajuririra kandi akaba atabasha kubivuguruza. Bakaba dusaba Urukiko kuzabona ko Chantal atirukanywe binyuranije n'amategeko bityo indishyi asaba atazikwiye. [12] Urukiko rusanga uwahoze ari umukoresha agomba kwishyurwa 861,475 x 9= 7,753,275 Rwf kuko uwahoze ari umukoresha yamusezereye ku buryo bunyuranije ni amategeko. C. Gusuzuma ibijyanye n’icyemezo cy’imirimo nahawe gikozwe nabi; [13] Chantal, urukiko mu rubanza rujuririrwa rwavuze ko rutatanga izi ndishyi ngo ko ikicyibazo cyacyemukiye kumugenzuzi w'umurimo, ibi bikaba ntagaciro byahabwa kuko iyo ikibazo cyihacyemukira ntago haba hariyambajwe inkiko, rero ndasaba urukiko ku rwego rw'uburire mu bushishozi bwarwo gutegeka SANLAM VIE PLC kumpa icyemezo cy’imirimo

## Page 6

nakoze gikoze neza, ndetse nkahabwa n’indishyi zigikomokaho zingana n’umushahara wanjye inshuro 1. zibazwe 861,475 Rwfs kuko byambujije amahirwe nagiye kudepoza muri CMM (Christian Mercy Ministries) byambujije akazi kandi SANLAM nyisabye kunkosorera ngo ntabura ayo mahirwe itinda kubimpa birangira akazi nkabuze kubw'iyo mpamvu ndabisabira indishyi zingana n'umushahara w'ukwezi kumwe nkuko itegeko ribiteganya. [14] SANLAM VIE Plc mu izina ry’umuyobozi wayo, urukiko mu gika cya 15 rwarasesenguye maze rurasanga ibijyanye n’icyemezo cy’umukoresha wa nyuma nk’uko bigaragazwa n’inyandiko mvugo No 003/2022-2023 yo ku mugenzuzi yo ku wa 06 Nyakanga 2022 aho bigaragara ko Chantal yaretse ikirego cye kijyanye n’indishyi zikomoka ku cyemezo cy’umukoresha wa nyuma, kongera gusaba ko cyasuzuma sibyo kuko habayeho ubwumvikane kuri iki kibazo kuko mbere y’intumwa z’abakozi ba SANLAM VIE Plc hemejwe ko icyemezo cy’umukoresha cyatanzwe kituzuye kandi umukoresha yemeraga kongeramo umwanya wa Altis Assistant Manager ukongerwamo,bityo iki kibazo kitagomba gusuzuma muri uru rubanza kuko cyarakemutse. Rero nkuko bakomeje kubisobabura kujurira uvuga ko utishimira icyemezo cy'urukiko bikaba bidahagije mugihe utagaragaza inenge, ikosa urukiko rwakoze mu guca urubanza ujuririra, uburyo byakosorwa, amategeko n'ibimenyetso ushingiraho, bityo rero ibyo asaba akaba nta shingiro byahabwa. [15] Urukiko rusanga Chantal aburanisha ko urukiko mu rubanza rujuririrwa rwavuze ko rutatanga izi ndishyi ngo ko ikicyibazo cyacyemukiye kumugenzuzi w'umurimo, ibi bikaba ntagaciro byahabwa kuko iyo ikibazo cyihacyemukira ntago haba hariyambajwe inkiko. SANLAM VIE Plc mu izina ry’umuyobozi wayo, yashubije ko urukiko rwisumbuye, mu gika cya 15, rwarasesenguye maze rurasanga ibijyanye n’icyemezo cy’umukoresha wa nyuma nk’uko bigaragazwa n’inyandiko mvugo N 003/2022-2023 yo ku mugenzuzi yo ku wa 06 Nyakanga 2022 aho bigaragara ko Chantal yaretse ikirego cye kijyanye n’indishyi zikomoka ku cyemezo cy’umukoresha wa nyuma. Iki kibazo rero niba baracyumvikanyeho rero ntakwiye kongera kubisabira indishyi. D. Gusuzuma ibijyanye no gusubizwa amafaranga y'ikurikirana rubanza n'igihembo cy'Avocat; [16] Chantal yavuze ko kubwo gukomeza gushorwa mu manza mfite unyunganira mu mategeko nkaba nsaba urukiko mu bushishozi bwarwo gutegeka SANLAM mwizina ry'umuyobozi wayo kunyishyura amafaranga angana 2 000 000 Rwfr y'ikurikirana rubanza na 1, 000 000 Rwf y'igihembo cy'Avoka ndetse na n'ibihumbi mirongo itandatu (60,000 Rwf) harimo ibihumbi makumyabiri (20,000 Rwfs) natanze murukiko Rwisumbuye Rwa Nyarugenge ndetse na n'ibihumbi mirongo ine (40,000 Rwfs) ntanze kugirango iki kirego cyakirwe. [17] SANLAM VIE Plc mu izina ry’umuyobozi wayo, Chantal niwe wishoye mumanza kandi abizi ko yirukanywe kumpamvu yumvuka na kandi ifite ishingiro ariyo yo kudatanga umusaruro (Poor Performance) bityo akaba agomba kuzirengera ibyo azatakaza byose muri izi manza akomeje kwishoramo no gushoramo SANLAM VIE Plc ahubwo akaba ariwe ugomba kuyigenera indishyi, ikurikranarubanza n'Igihembo cy'Avocat. [18] Urukiko rusanga uwajuriye agomba kwishyura uregwa mu bujurire, amafaranga ya avoka n`ikurikiranarubanza n`igarama ahwanye na 860.000frw, kuko yabashoye mua manza nta bimenyetso afite by`ibyo aregera. Atanzwe niyo akwiye kuko ayo batse ari ikirenga.

## Page 7

III. ICYEMEZO CY’URUKIKO [19] Rwemeye kwakira ubujurire rwashyikirijwe na Umulisa Bateta Chantal, rusanga bufite ishingiro. [20] Rwemeje ko urubanza rwajuririwe ruhindutse, akaba, Sanlam Vie Plc, igomba kwishyura Umulisa Bateta Chantal 7,753,275 Rwf ndetse n`amafaranga ya avoka n`ikurikiranarubanza, n`igarama ahwanye na 860.000frw, yiyongera kuyo yaciwe ku rwego rwa mbere, itayatanga ku neza igakurwa mu byayo ku ngufu za Leta. [21] Rutegetse ko ingwate y`amagarama yatanze ijurira muri uru rubanza, angana na 40.000frw ihwanye n`ibyakozwe.