HABURANA:

URUKIKO RUKURU URUGEREKO RWA NYANZA RURI INYANZA KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’IMBONEZAMUBANO MU RWEGO RW’UBUJURIRE RUKIJIJE URU RUBANZA RCA 00021/2017/HC/NYZ MURUHAME NONE KUWA 30/05/2017 MU BURYO BUKURIKIRA:

HABURANA:

UWAJURIYE: Radiant Insurance Company Ltd mu izina ry’umuyobozi wayo, P.O Box 1861 Kigali, ihagarariwe na Me NDAMAGE Ferdinard.

UREGWA:- XXXXXXXXXX Xxxxxxx mwene NINDEREYE na NYIRARUKUNDO

Vriginie wavutse 1972 utuye mu Mudugudu wa ...,Akagari xx Xxxxx, Umurenge wa Ngoma, Akarere ka Huye, Intara y’Amajyepfo, ahagarariwe na Me MBITUYIMANA Xxxx xx Xxxx

IKIBURANWA:-Indishyi zikomoka ku mpanuka;

(Kujurira urubanza RC 00002/2016/TGI/XXX)

.......................................................................................................................................................

I. IMITERERE Y’URUBANZA

1. Kuwa 07/04/2016 mu kagari ka Kabutare, Umurenge wa Ngoma, Akarere ka Huye habereye impanuka ubwo imodoka Minibus Toyota Hiace RAD 289 C yaritwawe na XXXXXXXXX Xxxxxxx ifite ubwishingizi muri Radiant Insurance Company Ltd yagonze aturutse inyuma moto yari ihetse XXXXXXXXXX Xxxxxxx arakomereka, ubugenzacyaha mu nyandiko mvugo y’impanuka bwagaragaje ko impanuka yatewe no kugenda nabi mu muhanda kuwari utwaye Minibus, XXXXXXXXXX Xxxxxxx ntiyumvikana na Radiant Insurance Company Ltd ku ndishyi yiyambaza inkiko uru rubanza ruba ruratangiye.

2. Uru rubanza rwatangiriye mu rukiko rwisumbuye rwa Huye mu kirego RC 00002/2016/TGI/HYE rukizwa kuwa 13/02/2016 rutegeka Radiant Insurance Company Ltd kwishyura amafaranga yose hamwe angana n’amafaranga miliyoni icyenda n’ibihumbi xxxxxx xxxxx mirongo inani na birindwi n’amafaranga xxxxxx xxxxx mirongo itandatu n’arindwi (9.287.267Frw) no gutanga amafaranga ibihumbi xxxxxx xxxxx (800.000frw) y’igihembo cy’avoka hamwe n’amafaranga ibihumbi mirongo itanu ( 50.000frw )by’amagarama y’urukiko nkuko bigaragazwa n’icyemezo cy’urukiko.

3. Radiant Insurance Company Ltd mu izina ry’umuyobozi wayo yajuririye muri uru rukiko rukuru urugereko rwa Nyanza, muri rusange Me NDAMAGE Ferdinard avuga ko mu kugena indishyi umucamanza mu rwego rubanza yatanze indishyi nabi rushingira ku mushahara utariwo (SMIG), igipimo cy’ibitsa kitaricyo n’imyaka yo kujya muzabukuru itariyo.

4. Muri uru rubanza harasuzumwa ibibazo bikurikira:

(i) Ese koko umushahara wa XXXXXXXXXX Xxxxxxx , xxxxxx xxxxxxxxxxx havuyemo amafaranga y’imisoro n’imisanzu ya Rwanda Social Security Board (RSSB?.

(ii) Ese koko hari ikosa umucamanza mu rwego rubanza yakoze mu kubara indishyi ashingiye ku mushahara muto ntarengwa w’amafaranga 2500 Frw ku munsi?

(iii) Ese koko urukiko rwashingiye ku myaka yo kujya mu kiruhuko kizabukuru 65 kandi ari 60?

(iv) Ese koko urukiko rwisumbuye rwa Huye rwongereye umwaka umwe (1) XXXXXXXXXX Xxxxxxx wo kujya muzabukuru?

(v) Ese koko ubujurire bwururiye kubundi bwatanzwe na XXXXXXXXXX Xxxxxxx bufite ishingiro?

II.ISESENGURA RY’IBIBAZO BIGIZE URUBANZA

(i) Kubirebana no kumenya niba umushahara wa XXXXXXXXXX Xxxxxxx ugomba kugaragazwa havuyemo amafaranga y’imisoro n’imisanzu ya Rwanda Social Security Board (RSSB)

5. Mu mpamvu z’ubujurire Me NDAMAGE Ferdinard avugako umushahara wa XXXXXXXXXX Xxxxxxx ugomba kugaragara havuyemo amafaranga y’imisoro n’imisanzu ya Rwanda Social Security Board (RSS) bitaba ibyo amafaranga ibihumbi xxxxxx xxxxx na mirongo itanu (250.000frw) avuga yatahanaga buri kwezi agateshwa agaciro akabarirwa ku mushahara muto ntaregwa wemewe n’amategeko.

6. Me MBITUYIMANA Xxxx xx Xxxx avuga ko iyi mpamvu y’ubujurire ya Radiant nta shingiro ifite kuko XXXXXXXXXX Xxxxxxx yagaragaje umushahara atahana ku kwezi ashingiye ku masezerano y’akazi kandi na historique ya Bank xxx umushahara wanyuraga ibyerekana xxxxx xx umushahara wa MANIRAKIZA utagomba kubarirwa kuri SMIG kuko afite umwuga akora uzwi nkuko bigaragazwa na Licence ya category C igaragaza ko umwuga we ari ugutoza umupira w’amaguru.

7. Uru rukiko rwajuririwe rubona nta kosa umucamanza waburanishije uru rubanza mu rwego rubanza yakoze mu gushingira ku bimenyetso XXXXXXXXXX Xxxxxxx yatanze bigizwe n’amasezerano y’akazi yo kuwa 01/08/2015 historique ya Bank yatanzwe na Bank ya Kigali bigaragaza ko umushahara yatahanaga ku kwezi ari ibihumbi xxxxxx xxxxx na mirongo itanu (250.000frw) kuko ibi ari ibimenyetso bishingiye ku ngingo ya

18 y’Iteka rya Perezida no. 31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi kububabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, ibivugwa na Me NDAMAGE Xxxxxxxxx xx umushahara mbumbe wa XXXXXXXXXX Xxxxxxx ugomba kugaragara havuyemo imisoro n’umusazu wa Rwanda Social Security Board nta shingiro bifite kuko amafaranga 250.000frw niyo yahabwaga nk’umushahara we net yatahanaga buri kwezi.

(ii) Kubirebana no kumenya niba hari ikosa umucamanza mu rwego rubanza yakoze mu kubara indishyi ashingiye ku mushahara muto ntarengwa w’amafaranga 2500 Frw ku munsi

8. Me NDAMAGE Ferdinard avuga ko izindi ndishyi zabariwe ku mushahara muto ntaregwa (SMIG) ku mafaranga ibihumbi bibiri na xxxxxx xxxxx (2500frw) urukiko rwisumbuye rushingiye ku rubanza RCAA 003/11/CS rwaciwe kuwa 12/10/2012 xxxxx xxxx izindi manza zagennye indishyi ziri hasi nk’urubanza RPAA 0022/06/CS rwaciwe kuwa 18/07/2008.

9. Me MBITUYIMANA Xxxx xx Xxxx avuga ko iyi mpamvu y’ubujurire nta shingiro ifite kuko urubanza RPAA 0022/06/CS rwaciwe kuwa 18/07/2008 rutajyanye n’igihe kandi umushahara muto ntarengwa (SMIG) igomba kujyana n’igihe xxxxx xx urubanza uhagarariye Radiant asaba gushingiraho rwaciwe mbere y’uko itegeko ngenga no. 03/2012 ryo kuwa 13/06/2012 rigena imiterere, imikorere n’ububasha bw’urukiko rw’Ikirenga ritangira gukurikizwa mu ngingo yaryo ya 47 (6) kubirebana n’uburyo ibyemezo by’urukiko rw’ikirenga bigomba gukurikizwa.

10. Uru rukiko rwajuririwe rubona iyi mpamvu y’ubujurire ya Radiant nta shingiro ifite kuko umushahara muto ntarengwa wemewe n’amategeko w’amafaranga ibihumbi 2500Frw ku munsi wari wemejwe n’urukiko rw’Ikirenga mu rubanza RCAA 0202/7/CS, rwaciwe kuwa 09/04/2009 n’izindi zarushamikiyeho nk’urubanza RCAA 0003/11/CS rwo kuwa 12/10/2012 n’urubanza RSOCAA 0112/10/CS rwo kuwa 15/02/2015, kuba Me NDAMAGE Xxxxxxxxx xxxxx ko indishyi zashingira ku rubanza rwaciwe muri 2008 rwavuzwe haruguru ngo kuko rwagennye amafaranga xxx xxxxx ya 2500frw nta shingiro bifite kuko nyuma yarwo amafaranga 2500Frw ku munsi niyo yagennwe mu bushishozi bw’urukiko rw’ikirenga rushingiye ku biciro byari kwisoko.

(iii) Kubirebana no kumenya niba imyaka yo kujya mu kiruhuko cy’izabukuru yabarirwa kuri 65 y’amavuko cyangwa 60.

11. Me NDAMAGE Ferdinard avuga ko urukiko rwisumbuye rwa Huye rwashingiye ku myaka 65 yo kujya muzabukuru xxx gushingira ku myaka 60 y’amavuko.

12. Me MBITUYIMANA Xxxx xx Xxxx avuga ko iyi mpamvu y’ubujurire nta shingiro ifite kuko ingingo ya 101(1) y’itegeko no.86/2013 ryo kuwa 11/09/2013 rishyiraho sitati rusange igenga abakozi ba Leta ivuga ko kujya muzabukuru ari imyaka 65 xxxxx xx iyi xxxxx xxxxx yagarutsweho mu rubanza RCAA 0003/11/CS rwo kuwa 12/10/2012 rwaciwe n’urukiko rw’Ikirenga.

13. Uru rukiko rwajuririwe rubona nta kosa umucamanza mu rwego rubanza yakoze mu kwemeza ko imyaka yo kujya mu kiruhuko cy’izabukuru ari imyaka 65 y’amavuko kuko mugihe nta tegeko rindi rihari rivuga imyaka iri munsi ya 65 kubandi baturage, irishingirwaho n’itegeko no.86/2013 ryo kuwa 11/09/2013 rishyiraho sitati rusange igenga abakozi ba Leta kuko iyi myaka yo kujya muzabukuru ibarwa harebwe izamuka ry’imibereho myiza y’abenegihugu muri rusange, mu Rwanda imibereho myiza izamuka kimwe kubatura Rwanda bose hatarebwe icyo umuntu akora, kuba umukozi wa Leta abrirwa kuri 65, ubwo na XXXXXXXXXX Xxxxxxx nawe niyo myaka yo kujya muzabukuru yabarirwaho cyane ko n’urubanza RCAA 0003/11/CS rwo kuwa 12/10/2012 mu gika cya 19 ariyo myaka rwemeje.

14. Ibisabwa na Me NDAMAGE Xxxxxxxxx xx imyaka yo kujya muzabukuru yabarirwa ku myaka 60 y’amavuko ashingiye ku ngingo ya 2 (8) y’Iteka rya Perezida no. 31/01

ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi kububabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga n’ingingo ya 18 al.1.1 y’itegeko no.05/2015 ryo kuwa 30/3/2015 rigenga imitunganyirize y’ubwiteganyirize bwa Pansiyo nta shingiro kuko bitavuguruza itegeko ryashingiweho mu rwego rubanza n’urubanza rwaciwe n’urukiko rw’Ikirenga ku kibazo cy’imyaka yo kujya muzabukuru.

(iv) Kubirebana no kumenya niba urukiko rwisumbuye rwa Huye rwongereye umwaka umwe (1) XXXXXXXXXX Xxxxxxx wo kujya muzabukuru

15. Me NDAMAGE Ferdinard avuga ko XXXXXXXXXX Xxxxxxx yavutse muri 1972, impanuka iba afite imyaka 44, urukiko rubarira ku myaka 22 yari asigaje yo kujya muzabukuru rushingiye ku myaka 65 nayo batemera ko iyo rubara neza rwari kubona 21 gusa.

16. Me MBITUYIMANA Xxxx xx Xxxx avuga ko iyi mpamvu y’ubujurire nta shingiro ifite ngo kuko XXXXXXXXXX Xxxxxxx afite itariki n’ukwezi yavukiyeho kandi n’impanuka ikaba yarabaye kw’itariki n’ukwezi ko yavutse kuwa 24/04/1972, impanuka iba kuwa 07/04/2016 ko rero impanuka yabaye kw’itariki MANIRAKIZA yuzurizaho umwaka itaragera ko yari afite imyaka 43 akaba yari asigaje imyaka 22 yo kwibeshyaho.

17. Uru rukiko rubona mu kubara imyaka umuntu asigaje yo kujya muzabukuru mu manza bene izi, harebwa umwaka impanuka yabereyeho bagakuramo umwaka umuntu wahohotewe n’impanuka yavukiyeho, muri uru rubanza impanuka yabaye kuwa 07/04/2016 mugihe MANIRAKIZA yavutse kuwa 24/04/1972 ( 2016- 1972 = 44) bivuze ko ku myaka yo kujya muzabukuru 65 yagaragajwe xxxxxxxx xxxxxxx kuvamo 44 MANIRAKIZA yari afite mugihe cy’impanuka bingana n’imyaka 21 byumvikana ko umucamanza mu rwego rubanza yakoze ikosa ryo kuvuga ko XXXXXXXXXX Xxxxxxx yari asigaje imyaka 22 yo kujya muzabukuru, ibivugwa na Me MBITUYIMANA Xxxx xx Xxxx ko itariki yavukiyeho yari itaragera nta shingiro bifite kuko ukwezi n’umwaka bigaragaza ko yari asigaje imyaka 21.

(v) Kubirebana n’ubujurire bw’ururiye ku bundi bwatanzwe na XXXXXXXXXX Xxxxxxx.

18. XXXXXXXXXX Xxxxxxx ashingiye ku ngingo ya 167 y’itegeko no.21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo, n’izubutegetse yatanze ubujurire bwururiye kubundi asaba amafaranga y’ikurikirana rubanza n’igihembo cy’avoka mu bujurire ndetse n’umushahara muto ntarengwa ukabarirwa ku mafaranga 3000 ku munsi .

19. Me NDAMAGE Ferdinard avuga ko MANIRAKIZA agomba kugaragaza ibimenyetso by’amafaranga aregera xxxxx xx igihembo cy’avoka mu bujurire aramutse atsinze ntiyahabwa arenze ½ cy’igihembo gito giteganywa n’urugaga ariyo mafaranga ibihumbi 250.000Frw.

20. Uru rukiko rubona ubujurire bwururiye kubundi bwatanzwe na XXXXXXXXXX Xxxxxxx nta shingiro bufite kuko umushahara muto ntaregwa asaba urukiko gushingiraho w’amafaranga ibihumbi 3000Frw ku munsi atigeze abisaba mu rwego rubanza kuko atanga ikirego yasabaga urukiko kubarira ku mafaranga 2500frw ku munsi bikaba rero bitagomba guhinduka mu bujurire bwururiye kubundi, naho

amafaranga y’igihembo cy’avoka akaba atagomba kwiyongera mu bujurire kuko ayo yahawe mu rwego rubanza arenze ibihumbi 500.000frw ateganyijwe mw’itegeko ry’urugaga rw’abavoka, amafaranga y’umunyamategeko angana n’ibihumbi xxxxxx xxxxx (800.000frw) yahawe mu rwego rubanza akaba agumyeho.

21. Kubera izi mpamvu zagaragajwe haruguru, uru rukiko rwajururiwe rubona

XXXXXXXXXX Xxxxxxx agomba guhabwa indishyi zibazwe mu buryo bukurikira:

⮚ Indishyi z’ibangamira bukungu :

250.000 frw X 12 X 21 ans X 35% incapacity = 8.227.612Frw 1 + (8% X 21 ans)

⮚ Indishyi z’ibangamira riterekeye umutungo: 2500Frw X 40% X 30 Jrs X 12 = 360.000Frw

⮚ Indishyi z’ibangamiraburanga :

2500Frw X 40% X 30 Jrs X 12 = 360.000Frw .

⮚ Indishyi z’ibangamira ry’uburambe mu kazi 2500 Frw X 30 X 6 = 450. 000Frw

⮚ Amafaranga yo kwivuza angana na 287.730frw ayaguze dosiye angana na 8400frw, raporo ya muganga 5000frw certificat de consolidation angana na 5000frw = 306.130 Frw

⮚ Amafaranga y’ingendo zo kwivuza amafaranga angana na 50.000frw atanzwe mu bushishozi bw’urukiko kuko xxx XXXXXXXXXX xxxxx xxx menshi kandi nta bimenyetso.

22. Uru rukiko rubona ibijyanye n’amafaranga y’igihembo cy’avoka mu rwego rubanza urukiko rwageneye XXXXXXXXXX Xxxxxxx amafaranga angana n’ibihumbi xxxxxx xxxxx (800.000frw) aya mafaranga n’ubwo ariyo yagennwe mu rwego rwa mbere no mubujurire agomba kugumaho kuko ashingiye ku masezerano bagiranye n’umwuganizi kuba mu bujurire MANIRAKIZA asaba ko hakongerwaho ibindi bihumbi xxxxxx atatu ( 300.000frw) nta shingiro kuko n’ubundi yagombaga kugenerwa amafaranga y’intangiriro ateganywa n’itegeko (500.000frw) hiyongereyeho kimwe cya kabiri ( ½ ) cyayo mu bujurire, ariyo mpamvu amafaranga ibihumbi xxxxxx xxxxx (800.000 Frw) y’igihembo cy’avoka yatanzwe mu rwego rubanza ariyo agomba kugumaho.

23. Uru rukiko rusanga amafaranga y’indishyi, ayikurikirana rubanza, ingendo no kwivuza n’igihembo cy’avoka XXXXXXXXXX Xxxxxxx agomba guhabwa yose hamwe angana na 8.227.612Frw + 360.000Frw + 360.000Frw + 450. 000Frw +

306.130 Frw + 50.000frw +800.000frw + 50.000frw y’igarama ku rwego rubanza = 10.603.742Frw (Miliyoni icumi n’ibihumbi xxxxxx atandatu na bitatu n’amafaranga xxxxxx xxxxxxx xxxxxxx xxx xxxxxx) .

III. ICYEMEZO CY’URUKIKO

24. RWEMEJE ko ubujurire bwatanzwe na Radiant Insurance Company Ltd mu izina ry’umuyobozi wayo bufite ishingiro kuri bimwe.

25. Rwemeje ko imikirize y’urubanza RC 00002/2016/TGI/HYE rwakijijwe kuwa 13/02/2016 n’urukiko rwisumbuye rwa Huye ruhindutse kuri bimwe.

26. Rwemeje ko Radiant Insurance Company Ltd mu izina ry’umuyobozi wayo iha XXXXXXXXXX Xxxxxxx indishyi, amafaranga y’ikurikirana rubanza n’igihembo cy’umunyamategeko, kwivuza n’ingendo yose hamwe angana n’amafaranga miliyoni icumi n’ibihumbi xxxxxx atandatu na bitatu n’amafaranga xxxxxx arindwi mirongo ine nabiri (10.603.742Frw).

27. Rutegetse Radiant Insurance Company Ltd mu izina ry’umuyobozi wayo guha XXXXXXXXXX Xxxxxxx indishyi zose hamwe zingana n’amafaranga miliyoni icumi n’ibihumbi xxxxxx atandatu na bitatu n’amafaranga xxxxxx xxxxxxx xxxxxxx xxx xxxxxx (10.603.742Frw).

28. Amagarama y’urubanza Radiant Insurance Company Ltd mu izina ry’umuyobozi wayo yatanze ijurira ahwanye n’ibyakozwe muri uru rubanza byose.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME NONE KUWA 30/05/2017.

INTEKO

UMUCAMANZA UMWANDITSI

Se Xx

XXXXXXX Dalausi KAGIMBANGABO Xxxxxxx