<P> This is the list of rural banks in Ghana . Rural banks were first established in Ghana in 1976 to provide banking services to the rural population, providing credit to small - scale farmers and businesses and supporting development projects, with the first being in Agona Nyakrom in Central Region . The banks are locally owned and managed . By 2002 115 rural banks had been established . They are supervised by the clearing bank ARB Apex Bank under the regulation of the Bank of Ghana, which owns shares in the banks . </P>

How many rural banks do we have in ghana