Financial capital (FC) can transform self-image, unlock potential and
boost the productivity and well-being of the poor. This paper assesses the
access to FC by rural people in the Upper East Region (UER) of Ghana. The study
results showed that Rural Banks (RBs) are the main source of FC to rural people
in UER with only 21% of them having access to FC from the RBs in pursuance of
their livelihoods developments. It is recommended that the RBs and government
among others should take pragmatic measures towards covering more rural people
who constitute 84% of the population of UER.