Rural Business

A G R I C U LT U R E A N D R U R A L D E V E L O P M E N T D I S C U S S I O N PA P E R 4 8

RURAL BANKING:

The Case of Rural and

Community Banks in Ghana

A JA I N A IR A N D AZEB FISSHA

MAY 2010

A G R I C U LT U R E A N D R U R A L D E V E L O P M E N T D I S C U S S I O N PA P E R 4 8

RURAL BANKING:

The Case of Rural and

Community Banks in Ghana

A jai Nair and A z eb Fissha

© 2010 The International Bank for Reconstruction and Development/The World Bank

1818 H Street, NW

Washington, DC 20433

Telephone 202-473-1000

Internet www.worldbank.org/rural

E-mail ard@worldbank.org

All rights reserved.

This volume is a product of the staff of the International Bank for Reconstruction and Development/The World Bank. The

findings, interpretations, and conclusions expressed in this paper do not necessarily reflect the views of the Executive

Directors of The World Bank or the governments they represent.

The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations,

and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning

the legal status of any territory or the endorsement or acceptance of such boundaries.

Rights and Permissions

The material in this publication is copyrighted. Copying and/or transmitting portions or all of this work without permission

may be a violation of applicable law. The International Bank for Reconstruction and Development/The World Bank encourages

dissemination of its work and will normally grant permission to reproduce portions of the work promptly.

For permission to photocopy or reprint any part of this work, please send a request with complete information to the Copyright

Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, USA, telephone 978-750-8400, fax 978-750-4470,

http://www.copyright.com/.

All other queries on rights and licenses, including subsidiary rights, should be...