Contract

XXXXXXX XXXXXX RW’UBUCURUZI, RURI I KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI, NONE KUWA 29/11/2016, RUKIJIJE MU RUHAME URUBANZA RCOMA 00464/2016/CHC/HCC MU BURYO BUKURIKIRA :

……………………………………………………………………………………………………………………………………

HABURANA:

XXXXX Xxxxxx, utuye Kamembe, Rusizi, Iburasirazuba, Rwanda, aburanirwa na XXXXXXX Xxxxxxx na Me XXXXXXX Xxxxxxxx: UWAJURIYE

na:

RADIANT INSURANCE COMPANY Ltd, ibarizwa Kiyovu, Nyarugenge, Umujyi wa Kigali, ihagarariwe na Me XXXXXXX Xxxxxxxxx: UREGWA

IKIREGWRWA:

Kutubahiriza amasezerano y’ubwishingizi yo kuwa 26/08/2015, agaciro kishingiwe k’imodoka kangana n’amafaranga 13,000,000, umusaruro wayo Ganza yavukijwe 25, 000 Frw ku munsi. (Kujuririra urubanza RCOM 00556/2016/TC/Nyge rwaciwe n'urukiko n'urukiko rw'ubucuruzi rwa nyarugenge kuwa 19/07/2016.)

I. IMITERERE Y’URUBANZA

1. Kuwa 18/08/2015 Xxxxx Xxxxxxx xxxxxxxx imodoka ye ubwishingizi bwa Omnium muri Radiant amasezerano bumvikana n'agaciro k'imodoka xxx xxxx kangana yishingirwa ku mafaranga angana na 13,000,000Frw.

2. Mu ngingo ya 4 y'amasezerano y'ubwo bw'ishingizi impande zombi zikaba ngo zarumvikana ko mu gihe imodoka igize impanuka ikangirika yose Ganza azishyurwa amafaranga avugwa muri ayo masezerano ariyo 13,000,000Frw.

3. Kuwa 04/01/2016 imodoka ya Ganza yaje gukora impanuka xxxxxxx xxxx. Ganza yisunze Radiant ngo imwishyure nk’uko bari babyumvikanye ariko igiye kumubarira amafaranga nk’uko bigaragara kuri Expertise ya Radiant imubarira ku gaciro batumvikanyeho, iyo expertise akaba xxx xxxx xxxxxxxxxxxxx Ganza ariko ayisinya nk'uyimenyeshwa (accusé de reception).

4. Ganza akaba ngo nubwo yayisinye ataremeye ibiyikubiyemo aribwo yiyambaje urukiko rw'ubucuruzi rwa Nyarugenge kugira ngo rubakiranure ariko Radiant ivuga ko habayeho ubwumvikane nyamara ntabwabayeho na cyane ko ngo nta masezerano

y'ubwumvikane urukiko rwahawe, ariko rubyumva nabi rufata ko habayeho ubwumvikane rwemeza ko ikirego cya Ganza nta shingiro gifite.

5. GANZA Xxxxxx xxxxx atarishimiye imikirize y’urubanza bituma arujuririra avuga ko hasuzumwa niba harabayeho amasezerano yo kwikiranura ku buryo Radiant itaregwa, gusuzuma agaciro k’imodoka kasubizwa Ganza nyuma y'impanuka, kwishyura indishyi Xxxxx Xxxxxx yavukijwe k’ubwo kwanga kwishyurwa, gutegeka Radiant kwishyura igihembo cya avoka cyo ku rwego rwa mbere n'icyo ku rwego rw'ubujurire.

6. Mu kugira icyo ivuga ku bujurire, Radiant itanga inzitizi yo kutakira ikirego kuko impande zombi zagiranye amasezerano yo kwikiranura nk’uko bigarazwa na expertise yo 12/02/2016, ikomeza ivuga xxxxx xx ubujurire bwa XXXXX Xxxxxx nta shingiro bufite kuko ibyo bumvikanye mu masezerano yabyubahirije ko ahubwo ariwe wanze kuza gufata ubwishyu, bityo ibyemejwe n’urukiko rubanza ngo bikaba bifite ishingiuro. Isoza itanga ubujurire bwuririye ku bundi isaba uwajuriye indishyi zo gushorwa mu manza.

7. Muri uru rubanza hakaba hagomba gusuzumwa niba harabayeho amasezerano yo kwikiranura hagati y’impande zombi, gusuzuma niba XXXXX Xxxxxx yasubizwa agaciro k’imodoka ye, gusuzuma niba Xxxxx Xxxxxx yahabwa indishyi avuga ko yavukijwe k’ubwo kutishyurwa, gusuzuma niba Radiant yategekwa kwishyura igihembo cya avoka cyo ku rwego rwa mbere n'icyo ku rwego rw'ubujurire no gusuzuma niba ubujurire bwuririye ku bundi bufite ishingiro.

II. ISESENGURA RY’IBIBAZO

A. Ku birebana no gusuzumwa niba harabayeho amasezerano yo kwikiranura hagati y’impande zombi

8. Me NKANIKA Alimasi uburanira XXXXX Xxxxxx asobanura ko Urukiko rukuru rw'ubucuruzi rukwiye kwibaza ikibazo cy'amasezerano uko yaba ateye xxxx xxx ugusinya ko umenyeshejwe expertise akaba xxxxx xxxxxxxx nkuko abigaragaza ku mugereka ngo byitwe ko ari amasezerano y'ubwumvikane.

9. Ikindi urukiko rukuru rwakwibaza n'ibikubiye muri iyo expertise Urukiko rw'ubucuruzi rw'itiranyije n'amasezerano y'ubwumvikane xxx uwakoze iyo expertise ubwe yanditse ko ku munsi w'impanuka imodoka yari ifite agaciro ka 13,000,000Frw (Valeur resudielle du vehicule au jour du sinister 13,000,000F)

rukabihuza n'ibikubiye mu masezerano y'ubwishingizi yo kuwa 18/08/2015 cyane muri clause ya 4 ahavugwa amafaranga azishyurwa ku munsi imodoka igize impanuka yose ikangirika ko ari valeur yishingiwe, Ganza akaba asanga ari ayavugwa agomba kwishyurwa angana na 13,000,000Frw.

10. Me XXXXXXX Xxxxxxxxx avuga ko urukiko rubanza rutagombaga kwakira ikirego ngo rugisuzume kuko hari harabayeho amasezerano yo kwikiranura. Ndetse urukiko rukaba rwarivuguruje xxx mu gika cya 11 cy’urubanza rwasanze ko impamvu y’amasezerano yo kwikiranura yaba imopamvu yo gusuzuma urubanza mu mizi. Aha hakaba harabayeho kwivuguruza kuko niba rwabonaga harabayeho amasezerano yo kwikiranura rutagombaga gusuzuma urubanza mu mizi. Ibyaya masezerano bikaba ngo byaremejwe n’uwaburaniraga XXXXX Xxxxxx xxxx igika cya 3 cy’urubanza.

11. Me xxxxxxx Xxxxxxxx avuga ko inzitizi ya Radiant ishingiye kuri chose jugée ashingiye kuri expertise bitahabwa ishingiro kuko expertise atari amasezerano ahubwo ari ikimenyetso kigomba gukoreshwa mu rubanza, kuba iki kimenyetso kigomba gushyikirizwa urundi ruhande nk’ikizakoreshwa mu rubanza, uruhande rucyohererejwe ruracyakira (accuse de reception) bikaba bitafatwa ko ari amasezerano. Akomeza avuga ko amasezerano akorwa n’impande ebyiri, kuba rero expertise yarakozwe na Radiant ikaba itaba amasezerano.

12. Me NKANIKA Alimasi avuga ko nubwo iyi expertise yakwitwa amasezerano, expertise yakozwe nundi muntu utari Radiant cyangwa GANZA Xxxxxx xxx agire ingaruka kuri XXXXX Xxxxxx. Ikindi niba yitwa amasezerano ikaba itagaragaza inshingano za buri ruhande nk’uko bisanzwe bikorwa mu masezerano. Ku birebana no kuvuga ko mugenzi wabo yabyemeye ku rwego rwa mbere, avuga ko mugenzi wabo yagaragaje ko niba umukiriya wabo yaribeshye akayisinya itafatwa nk’amasezerano kuko itujuje ibyangombwa biteganywa mu masezerano.

13. Me XXXXXXX Xxxxxxxxx avuga ko expert wakoze iriya expertise xxx xxx Xxxxxxx akaba atari undi muntu nk’uko babivuze. Ku birebana n’inshingano za buri ruhande muri ayo masezerano zigaragara mu gice gihera xxx bigaragara ko Radiant igomba kwishyura 7,949,879. GANZA Xxxxxx xxxxx xxx ntayindi nshingano yari afite. Agaciro ko kuba uwari uhagarariye XXXXX Xxxxxx karahari bikaba bitumvikana ukuntu uyu munsi abamuburanira babihakana. Ikindi kigaragaza ko yabyemeye ni ukuba yarasinye kuri expertise.

14. Contre expertise ya XXXXX Xxxxxx yakozwe kuwa 15/08/2016 urubanza rwaraciwe kuwa 19/07/2015 bikaba bitumvikana ukuntu yagiye gukoresha contre expertise urubanza rwaramaze guzibwa.

15. Me XXXXXX Xxxxxxxx avuga ko ibivugwa ko expert ari uwa Radiant asaba ko uburanira Radiant yagaragaza niba uyu expert afite inshingano zo gusinya amasezerano kuko mu masezerano XXXXX Xxxxxx yagiranye na Radiant yasinyweho na Radiant. Aha hakaba hakwibaza niba uyu expert automobile XXXXXXXX Xxxxxxxx afite inshingano cyangwa ububasha bwo gusinya amasezerano mu mwanya wa Radiant.

16. Me NKANIKA Alimasi asobanura ko XXXXX Xxxxxx yandikiye Radiant kuwa 15/02/2016 ayimenyesha ko atemera ibikubiye muri expertise yakozwe na Radiant. Kuwa 10/03/2016 Radiant yamwandikiye imusaba kuza gufata sheki kandi bazi neza ko atemera ibikubiye muri iyo expertise.

17. Me XXXXXXX Xxxxxxxxx avuga ko ku nshingano za expert automobile yibutsa ko bari mu manza z’ubucuruzi, icyangombwa akaba xxx xxx uko Radiant yemera ko ibyakozwe n’umukozi wayo, bikaba bitari ngombwa kugaragaza inshingano za XXXXXXXX Xxxxxxxx. Naho ku barwa ya GANZA Xxxxxx xxxxx xxx aribwo akibyumva batigeze bagaragaza izo barwa, bityo bakaba bataziburanisha.

18. Me NKANIKA Alimasi avuga ko mu mwanzuro utaga ikirego ku rwego rwa mbere izo nyandiko zatanzwe kandi zakoreshejwe.

UKO URUKIKO RUBIBONA

19. Ingingo ya 583 y'itegeko ryo kuwa 30 Nyakanga 1888 ryerekeye Urwunge rw'amategeko y'imbonezamubano. Ibyerekeye imirimo nshinganwa cyangwa amasezerano iteganya ko ‘’Ukwikiranura ni amasezerano atuma abayagiranye bakemura impaka zavutse, cyangwa se birinda izishobora kuvuka hagati yabo. Ayo masezerano agomba gukorwa mu nyandiko’’.

20. Urukiko rusanga ibivugwa n’uburanira Radiant ko inyandiko yo kuwa 12/02/2016 yiswe raporo d’expertise No 33/KE/2016 ari amasezerano yo kwikiranura, bitahabwa ishingiro kuko nk’uko biteganywa mu ngingo ya 583 y'itegeko ryo kuwa 30 Nyakanga 1888 ryavuzwe haruguru, ayo masezerano agomba kuba yanditse, kuba rero icyiswe amasezerano yo kwikiranura bigaragara ko ari raporo ya expertise yakozwe n’umuhanga washyizweho na Radiant, iyi raporo ikaba itakwitaranywa

n’amasezerano yo kwikiranura, kuko ayo masezerano usibye ko agomba kuba yanditse agomba no kugaragaza uburyo impande zari zifitanye ikibazo zikiranuyemo;

21. Kuba rero nyuma y’impanuka Radiant yarashyizeho umuhanga wo kuyikorera expertise, raporo yayishyikirije ikaba yafatwa nk’inyandiko yihariye ya Radiant (document interne) na cyane ko uburanira Radiant yiyemerera mu rubanza ko XXXXXXXX Xxxxxxxx wayikoze ari umukozi wa Radiant, ibikubiye muri iyo raporo igihe cyose XXXXX Xxxxxx atabyemera bikaba bitagomba kumugiraho ingaruka;

22. Kugendera ku kuba XXXXX Xxxxxx yarasinye kuri iyo raporo, ibi bikaba ataribyo na none bigira iyo nyandiko kuba amasezerano yo kwikiranura kuko nk’uko byasobanuwe, iyo nyandiko ntiyujuje ibisabwa kugira yitwe amasezerano yo kwikiranura.

23. Nyuma yo kubona raporo ya contre expertise yatagetswe n’urukiko, Me XXXXXXX Xxxxxxx avuga ko contre expertise batayemera kuko hari ibyumvikanyweho mu masezerano ndetse ko n’uru rukiko rwamaze gufata umurongo ku kibazo nk’iki.

24. Me XXXXXXX Xxxxxxxxx we asobanura ko iyi contre expertise xxxxxx xxxxxxxxx kuko ari expert bumvikanyeho babisabwe n’urukiko, bamureba bari hamwe, ibyo yakoze ngo bikaba byarashyikirijwe urukiko.

B. Ku birebana no gusuzuma niba XXXXX Xxxxxx yasubizwa agaciro k’imodoka ye

25. Me NKANIKA Alimasi asobanura ko nyuma yo gukora impanuka kuwa 04/01/2016, xxxxx modoka Ganza yiyambaje Radiant ngo yubahirise amasezerano bagiranye yo kuwa 18/08/2015 bityo Ganza asubizwe agaciro k'imodoka ye yangiritse igashya igashira.

26. Akomeza avuga ko Radiant yakoze expertise yemeza ko agaciro k'imodoka ku munsi w'impanuka gahwanye na 7,949,879Frw, iyo expertise akaba xxx xxxxx yamenyeshejwe Ganza ayisinyaho ariko ntiyemera agaciro kashyizwe kuri yo expertise ariyo mpamvu mu rwego rwo kuvuguruza iyo expertise Ganza nawe ngo yakoresheje indi expertise imodoka ihabwa agaciro kagombaga kwishyurwa na Radiant kuko ari expertise yavuguruzaga iya Radiant nk’uko mu bwishingizi bisanzwe bikorwa.

27. Ganza akaba asanga iyo aza kwemera iriya expertise ya Radiant nta mpamvu yari gushaka undi mu expert wo gukora indi expertise, mu gukora iyo expertise rero kwa

Ganza akaba xxx xxx uko yaragamije gusaba radiant kubahiriza ibyo yari yanditse mu masezerano y'ubwishingizi ko izishyura agaciro k'imidoka ku munsi w'impanuka kandi ako gaciro gashingiye kuri 13,000,000Frw ari xxxx Xxxxx asaba ko yasubizwa.

28. Mu kugira icyo avuga Me XXXXXXX Xxxxxxxxx asobanura ko mu masezerano ari hagati ya Ganza na Radiant ntahagaragazwa agaciro nyako k'imodoka kuko itigeze ikorerwa expertise mbere yo gukora amasezerano. Icyo amasezerano yashingiyeho akaba xxx xxx "valeur déclarée".

29. Akomeza asobanura avuga ko mu masezerano yashyizweho umukono na Ganza ingingo ya 4 igika cya mbere, bigaragara ko iyo imodoka yangiritse yose, hishyurwa amafaranga angana n'agaciro iyo imodoka igezeho umunsi w'impanuka kandi ako gaciro kagaragazwa na expertise.

30. Na none avuga ko nta na hamwe impande zombi zumvikanye ko hishyurwa amafaranga angana na valeur declarée.

31. Igika cya 2 cy'iyo ngingo nacyo kikaba ngo kivuga ko "valeur déclarée " ifasha gusa mu kubara prime" ko iyo habayeho impanuka, hakorwa "amortissement". Iyi ngingo (clause ya 4) ivuga itya: " Conformément aux dispositions de l'article 45 des conditions générales, il est rappelé que, en cas de perte totale, le remboursement xx xxxx sur base de la valeur vénale au jour du sinistre. La portion de prime non encore encourrue, relative à la garantie dommages, est acquise à l'assureur. La valeur de référence indiquée au contrat correspond au montant "toutes taxes comprises" qui a servi au calcul de la prime avec ou sans franchise, en cas de perte totale l'amortissement s'appliquera sur cette valeur..."

32. Asoza avuga ko Ganza nyuma yo gusinya rapport d'expertise ntabwo yigeze anenga iyi rapport cyangwa ngo asabe ko hakorwa contre expertise. Contre expertise yakoreshejwe kuwa 15/8/2016 nyuma yo gutsindwa mu rwego rwa mbere. Iyi myitwarire ikaba igaragaza ko Ganza yemeye ibivugwa muri rapport yashyizeho umukono. Kubera izi mpamvu, iyi ngingo y'ubujurire nta shingiro ifite.

UKO URUKIKO RUBIBONA

33. Ingingo ya 4 ya conditions particulieres assurances automobile y’amasezerano yo kuwa 18/08/2015 impande zombi zashyizeho umukono iteganya ko ‘’Conformément aux dispositions de l'article 45 des conditions générales, il est rappelé que, en cas de

perte totale, le remboursement xx xxxx sur base de la valeur vénale au jour du sinistre. La portion de prime non encore encourrue, relative à la garantie dommages, est acquise à l'assureur. La valeur de référence indiquée au contrat correspond au montant "toutes taxes comprises’’

34. Ingingo ya 64 y’itegeko n° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano iteganya ko ‘’ Amasezerano akozwe ku buryo bukurikije amategeko aba itegeko ku bayagiranye. Ashobora guseswa xxx xxx babyumvikanyeho cyangwa ku mpamvu zemewe n'amategeko. Agomba kubahirizwa nta buriganya.’’

35. Urukiko rusanga ibivugwa na Me NKANIKA Alimasi nyuma y’uko imodoka igiriye impanuka igashya igakongoka Radiant igomba kwishyura XXXXX Xxxxxx xxxxxxx xxxx xxx nk’uko kangana n’ako yahawe k’amafaranga 13,000,000 ubwo yafatirwaga ubwishyingizi bitahabw aishingiro kuko, nk’uko bigaragazwa n’ingingo ya 4 ya conditions particulieres assurance automobiles, xxx zemeranyijwe ko niharamuka habaye impanuka mu kwishyura hazifashishwa ingingo ya 45 ya conditions générales, kuba iyo ngingo iteganya ko mu gihe icyishingiwe cyangiritse burundu, ubwishyu buzakorwa hagendewe ku gaciro ikishingiwe cyari gifite umunsi w’impanuka (en cas de perte totale, le remboursement xx xxxx sur base de la valeur vénale au jour du sinister), bivuze ko XXXXX Xxxxxx agomba kubahiriza ibikubiye mu masezerano yo kuwa 18/08/2015 kuko yabaye itegeko hagati ye n’umwishingizi nk’uko biteganywa n’ingingo ya 64 y’itegeko n° 45/2011 ryo kuwa 25/11/2011ryavuzwe haruguru, bityo Radiant ikaba igomba kwishyura XXXXX Xxxxxx xxxxxxx imodoka ye yarifite umunsi w’impanuka.

36. Urukiko rusanga kuba impande zombi nta narumwe rwemera igenegaciro ry’akozwe

n’umuhanga w’urundi ruhande, agaciro kagomba kugenderwaho ari akakozwe n’umuhanga washyizweho n’urukiko nyuma y’uko impande zombi zimwemeranyijweho, bityo nk’uko raporo ya STRAIGHTWAY Ltd ibigaragaza ko agaciro k’imodoka igihe yashyaga xxxx xxxxxxxxxx 7,755,121, aya akaba xxxxx xxxxxxxxx y’ubwishyingizi Radiant igomba kwishyura XXXXX Xxxxxx.

37. Urukiko rusanga na none ibivugwa na Me NKANIKA Alimas ko atamera contre expertise yakozwe na expert wemeranyijweho n’impande zombi ngo kuko hari ibyumvikanyweho n’impande zombi mu maszerano ndetse ko n’uru rukiko rwamaze gufata umurongo ku kibazo nk’iki bitahabwa ishingiro kuko, nk’uko byagaragajwe mu rubanza ibyemeranyijweho n’impande mu masezerano xxx xxx icyishingiwe

nicyangirika burundu, mu kwishyura hazarebwa agaciro kacyo nk’uko bigaragazwa n’ingingo ya 4 ya conditions particulieres assurance automobiles ikanashimnagirwa n’iya 45 ya conditions générales;

38. Kuvuga ko uru rukiko rwamaze gufata umurongo ku kibazo nk’iki hagaragazwa imanza RCOMA 00284/2016/CHC/HCC bitahabwa ishingiro kuko izi manza zombi zidahuje imiterere na cyane ko muri uru rubanza rurigucibwa ubu impande zombi zifite icyo zemeranyijweho mu masezerano nk’uko bigaragazwa n’ingingo ya 4 ya conditions particulieres assurance automobiles n’iya 45 ya conditions générales, mu gihe mu rubanza ruvugwa ko rwatanze umurongo ikibazo cyagaragajwe ari icya surassurance hagendewe ko ubwo imodoka yafatirwaga ubwishingizi impande zombi zitari zemeranyijwe ku gaciro kayo, agaciro kafatiweho ubwishyingizi, umwishingizi akaba yaragahakanye avuga ko atariko gaciro imodoka yari ikwiriye igihe yafataga ubwishyingizi, bito ikibazo cyasuzumwe muri urwo rubanza kikaba kidahuye n’ikirigusuzumwa muri uru.

C. Ku birebana no gusuzuma niba Xxxxx Xxxxxx yahabwa indishyi avuga ko yavukijwe k’ubwo kutishyurwa

39. Me NKANIKA Alimasi asobanura ko nyuma y'impanuka yabaye kuwa 04/01/2016 Ganza yahise amenyekanisha impanuka ndetse Radiant yakira dosiye ariko imudindiza kumusubiza agaciro xxxx kumvikanyweho mu masezerano y'ubwishingizi kangana na 13,000,000Frw bituma Ganza ajya afata indi modoka ya buri munsi ya 25,000Frw, Ganza akaba asaba ko yayasubizwa na Radiant kuva tariki ya 05/01/2016 kugeza urubanza ruciwe dore ko kugeza ubu Xxxxx xxxxx hashize amezi 8 agomba kwiyongera kugeza yishyuwe na Radiant.

40. Mu kwisobanura kuri iyi ngingo, Radiant ivuga ko Ganza atumvikanye nayo kumwishyura 13.000.000 frw. Ibyo bumvikanye bikaba ngo biri mu ngingo ya 4 cyane cyane igika cya 1 cy’amasezerano.

41. Amafaranga 25.000 frw ku munsi yo gukodesha imodoka nta shingiro kuko Radiant nta masezerano yishe na cyane ko yaba ngo yaranamwishyuye akaba xxxxx xxxxx xxxxxxxx.

UKO URUKIKO RUBIBONA

42. Urukiko rusanga indishyi zo gukodesha imodoka zingana n’amafaranga 25,000 buri munsi zisabwa na Me NKANIKA Alimasi zishingiye ku kuba Radiant yaranze kwishyura agaciro k’imodoka kangana n’amafaranga 13,000,000 bitahabwa ishingiro kuko, kuba impande zombi zitarumvikanaga ku mafaranga agomba kwishyurwa kuko xxxxx imodoka yasabaga amafaranga angana n’agaciro k’imodoka ubwo yafataga ubwishingizi, naho umwishingizi akavuga ko yishyura agaciro k’imodoka yari ifite umunsi w’impanuka, kuba rero nk’uko byagaragajwe n’urukiko ko agaciro k’imodoka kagomba kwishyurwa ari ako yari ifite umunsi w’impanuka, umwishingizi akaba atacibwa indishyi zo gutinda kwishyura kuko nawe atari kumenya ubwishyu atanga.

D. Ku birebana no gusuzuma niba Radiant yategekwa kwishyura igihembo cya avoka cyo ku rwego rwa mbere n'icyo ku rwego rw'ubujurire

43. Me NKANIKA Alimasi asobanura ko kuba Radiant yaratumye Xxxxx xxxxx kuko itubahirije amasezerano y'ubwishingizi bari bagiranye byatumye yitabaza avoka ku rwego rwa mbere, urukiko rwaciye urubanza ku rwego rwa mbere rugendera mubyo rwabwiwe nta bimenyetso ruhawe na Radiant bituma Ganza atsindwa nyamara agaragaza amasezerano yagiranye na Radiant ko ariyo akwiye kubahirizwa.

44. Ganza akaba ngo asaba ko Radiant yamushoye mu manza kuko yanze nkana kubahiriza amasezerano y'ubwishingizi bagiranye ikamwishyura amafaranga y'igihembo cya avoka ku rwego rwa mbere kingana na 1,000,000Frw nk’uko cyari cyasabwe, radiant kandi ikishyura n'igihembo cya avoka ku rwego rw'ubujurire kingana na 2,000,000Frw, ikishyura kandi n'ingwate yatanzwe ku rwego rwa mbere ahwanye 50,000Frw ndetse ikanishyura n'ingwate yatanzwe mu bujurire ihwanye na 75,000Frw.

UKO URUKIKO RUBIBONA

45. Urukiko rusanga indishyi zisabwa na Me NKANIKA Alimasi zitahabwa ishingiro kuko nk’uko byasobanuwe mu rubanza, Radiant nta masezerano yishe ahubwo GANZA Xxxxxx xxxxx ariwe utarayubahirije ngo yemere ibikuibiye mu ngingo ya 4 yayo, bityo akaba atahabwa indishyi z’ibibazo yiteje.

E. Ku birebana no gusuzuma ubujurire bwuririye ku bundi bwatanzwe na Radiant

46. Radiant isobanura ko Urukiko ruramutse rwemeje ko ikirego kitagombaga kwakirwa cyangwa se ubujurire budahawe ishingiro, isaba indishyi zo gushorwa mu manza zidafite ishingiro zingana n’amafaraga 500.000.

UKO URUKIKO RUBIBONA

47. Ingingo ya 258 y’itegeko ryo kuwa 30 Nyakanga 1888 ryerekeye urwunge rw'amategeko y'imbonezamubano, igitabo cya gatatu ibyerekeye imirimo nshinganwa cyangwa amasezerano iteganya ko ‘’igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse’.

48. Urukiko rusanga indishyi zo gushorwa mu manza mu manza zisabwa na Radiant zifite ishingiro kuko, kuba XXXXX Xxxxxx ataremeye ibiteganywa mu masezerano yarangiza agashora Radiant mu manza, ibyo yatakaje ku rubanza bikaba bigomba gusubizwa na XXXXX Xxxxxx nk’uko biteganywa n’ingingo ya 258 y’itegeko ryo kuwa 30 Nyakanga 1888 ryavuzwe haruguru, bityo akaba agomba kuyishyura amafaranga 500,000 y’izo ndeishyi.

III. ICYEMEZO CY’URUKIKO

49. Rwemeye kwakira ubujurire bwa XXXXX Xxxxxx kuko bwatanzwe bikurikije amategeko, ariko rubusuzumye rusanga nta shingiro bufite.

50. Rwemejeko imikirize y’urubanza RCOM 00556/2016 ihindutse kuri bimwe.

51. Rwemeje ko nta masezerano yo kwikiranura yabayeho hagati y’impande zombi.

52. Rwemeje kandi rutegetse Radiant kwishyura XXXXX Xxxxxx amafaranga 7,755,121 y’agaciro imodoka ye yari ifite ubwo yakoraga impanuka.

53. Rwemeje kandi rutegetse XXXXX Xxxxxx kwishyura Radiant indishyi zo gushorwa mu rubanza zingana n’amafaranga 500,000 yo ku rwego rw’ubujurire yiyongera ku yemejwe n’urukiko rubanza.

RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME N’UMUCAMANZA MUTAJIRI M. Xxxxxxxxx XXXX N’UMWANDITSI X’XXXXXXX XXXXXXXXXXXX Xxxxxxxx

UMUCAMANZA UMWANDITSI

XXXXXXXX X. Xxxxxxxxx XXXXXXXXXXXX Xxxxxxxx

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