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ARB holds 20th BGM in Bolgatanga

December 10, 2018
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The Association of Rural Banks (ARB) Ghana, the apex body of all rural banks in the country, has held its 20th Biennial General Meeting and Rural Banking Excellence Awards at the Bolgatanga Polytechnic in the Upper East Region. The two-day event was themed “Rural banking-Beyond 40 Years”.

Speaking to the participants, the Chief of the Talensi Traditional Area, Tongraan Kugblisong Nanlebegtang, who chaired the event, encouraged Rural and Community Banks (RCBs) to maintain trust within rural communities and also to grant swift loans to promote small scale enterprises. He called on RCBs to improve their services for a dependent micro economy in the near future.

The President of the Association, Dr. Nana Boamah Akowuah, in his address educated participants that the Rural and Community Banking (RCB) concept was intended to create flexible banking units to meet the peculiar needs of small rural entrepreneurs and a catalyst for their socio-economic development. “Presently, there are over 144 RCBs with over 700 branch networks in operation throughout the country”, he stated. He further stated that, RCBs are technologically inclined with experienced staff and Board of Directors who provide efficient and quality banking service to the Ghanaian populace.

Dr. Nana Boamah Akowuah, implored the government to respond swiftly to ARBs petition with regards to the reduction of corporate tax and the revision of Corporate Governance Transactional Provision issued by the Central Bank (Bank of Ghana).

He stated further that, according to the Efficiency Monitoring Unit (EMU) of ARB Apex Bank Report for the second quarter of 2018, the capital adequacy ratio of the rural banking industry was 18.39% which is higher than the regulatory benchmark of 10%. “Performance in total assets, deposits and net worth have also improved as compared to some decades ago. As at June 2018, the rural banking total assets were GH¢3, 800.67 billion, net worth was GH¢3, 024.43 billion, and a deposit of GH¢ 500.39 billion”.

Honorable Patience Bayege, the Upper East Regional Minister, as Special Guest of Honor, in her keynote address indicated that, the forty years of rural banking in Ghana has been very successful but stressed that there was still room for improvement in pursuing higher economic heights in the sector.

The Managing Director of ARB Apex Bank, Mr. Kojo Mattah in his presentation at the BGM, threw light on progresses made by the ARB, challenges, corporate social responsibilities, publications of financial statements, partnerships with Ghana Commodity Exchange Networking, cyber security, amongst other things.

As part of activities for the BGM, elections for various national executive positions for the Association was held with the support of the Upper East Regional division of the Electoral Commission of Ghana.  Each contestant was given two-minutes for introduction and insights into their manifestos to convince delegates to vote for them.

At the end of the voting process, Mr. Dan Owusu who contested unopposed was declared president, Mrs. Akangbagbin Asokia, a retired employee of GCB won her contested position as secretary, Mr. Kwesi Adusei Opoku won the keenly contested position of Treasurer while Mr. Martin Mireku won the position of Legal Adviser.

The Executive Director of the Association, Mrs. Comfort Owusu gave the closing remarks while Alhaji Sherriff Adams said the Muslim prayer to bring day one’s event to a successful end.

The 20th BGM ended with a dinner and the Rural Banking Excellence Awards on the day two, which commenced with a photo shoot, classical dinner set-up with beautiful tunes played by the Upper East Regional Division of the Ghana Police Band. Guests were served to mouthwatering and finger licking culinary delights and assorted foods, including grilled and fried guinea fowl which were temptingly arrayed to add color to and glitz to the event.

Giving the purpose of the gathering, Dr. Nana Akowuah Boamah, stated that, “in the life of every institution, there must be a period to look back and reflect on historical antecedents in order to develop strategic future orientation through lessons learnt. After all, it is often said in our local parlance that the person who charts a path may not know how crooked it is behind him or her”.

The Awards began with the presentation of citations to Council and Executive members who have worked hard over the years to promote the growth and development of the ARB and its members.

Fiaseman Rural Bank from the Western Region won the overall best RCB, while Bongo Rural Bank from the Upper East Region secured the Most Promising Bank award. Capital Rural Bank and Anlo Rural Bank were first and second runner-ups for the Most Profitable Bank while Builsa Community Bank won that category.

The Western Region stole the show when three banks from there were awarded the Loan Financing award category. The Amensie West Rural Bank were the overall winners of the category followed by Ahantaman and Fiaseman as first and second runner-ups respectively.

Akuapim Rural Bank won the Most Compliant Bank, leaving Kintampo Rural Bank from the Brong Ahafo and Amansie West Rural Bank from the Western Region as first and second runner-ups correspondingly. Naara Rural Bank were the winners for the Deposit Mobilization Category of the awards shadowed by Sefwiman Rural Bank from the Western region and Microfin Rural Bank from the Central Region as first and second runner-ups.

Best U-Connect bank award went to Amantin and Kasei Rural Bank while the award for Best bank in Apex link i-trans paying Bank went to BESSFA Rural Bank in the Upper East Region and Best bank in Apex link i-trans receiving went to Upper Amenfi Rural Bank from the Western Region.

Winners for the Best Regional RCBs Awards were; Amansie West Rural Bank for the Ashanti Region, Kaaseman Rural Bank –Brong Ahafo, Microfin Rural Bank-Central Region, South Akim Rural Bank-Eastern Region, Ga Rural Bank-Greater Accra, Bonzali Rural Bank, Bongo Rural Bank-Upper East Region, Lawra Area Rural Bank Upper West, Anlo Rural Bank-Volta Region and Fiaseman Rural Bank-Western Region.

The event ended with photo-shoots’ of council Members and winners displaying their trophies.

The Biennial General Meeting was instituted to create a platform for the Council of the Association to account for their stewardship and also discuss issues relevant to the development of the Rural Banking Sector.

 

By Afia Nyarko Asare


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  504. Hello,

    This is an important public service announcement concerning our future well being. I found this information very interesting and should be viewed by everyone. Please take the time to read it over:

    We are approaching a future in which they will mandate us to have an RFID microchip implanted in our body. This chip will hold all our personal information, and we will lose much more of our privacy because of the tracking capabilities.

    Did you know this chip matches perfectly with prophecy in the Bible? Please read on!

    “He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666” (Revelation 13:16-18 NKJV).

    Referring to the last days, this could only be speaking of a cashless money society, which we have yet to see, but are heading towards. Otherwise we could still buy or sell without the mark among others if physical money was still currency. This mark could not be spiritual, because the word references two different physical locations on the human body. If it was spiritual, it would only say in the forehead.

    We can see throughout the history of time how we are being conditioned through the process of convenience. More specifically with how we make payments. We went from physical money to credit and debit cards containing digital money, to these cards having a microchip in them, to now being able to place your card near a device that will read its data. As well as self check-out lines in our market places and the cryptocurrency industry making a fast climb in such form as bitcoin. These are all stepping stones for the powers that run this world to bring about their ultimate agenda, that is to place a microchip in each and every one of us.

    RFID chip implantable technology is on the rise and will be the future of a one world cashless society.

    Continue on to see how it perfectly matches up with Bible prophecy!

    From a YouTube video titled, “Warning From Man Who Designed RFID Microchip”

    Here are some notes from the video:

    “Mr. Carl Sanders attended seventeen New World Order meetings with heads of state officials such as Henry Kissinger and Bob Gates of the CIA to discuss plans on how to bring about this one-world system. The US government commissioned Mr. Sanders to design a microchip for identifying and controlling the peoples of the world-a microchip that could be inserted under the skin with a hypodermic needle(a quick, convenient method that would be slowly accepted by society).

    Carl Sanders, with a team of engineers behind him, with U.S. grant monies supplied by tax dollars, took on this project and designed a chip that is powered by a lithium battery, rechargeable through the temperature changes in our skin. Without having knowledge of the Bible(Brother Sanders was not a believer at the time), these engineers spent one and a half million dollars doing research on the best and most convenient place to have the microchip inserted.

    Guess what? These researchers found that the forehead and the back of the hand(the two places Revelation says the mark will go) are not only the most convenient places, but are also the only viable places for rapid, consistent temperature changes in the skin to recharge the lithium battery. The microchip is around seven millimeters in length, .75 millimeters in diameter, about the size of a grain of rice. It is capable of containing pages of information about you. All your general history, work history, crime record, health history, and financial data can be stored on this microchip.

    Brother Sanders believes that this chip, which he regretfully helped engineer, is the “mark” spoken about in Revelation 13:16-18. The original Greek word for “mark” is “charagma,” which means a “scratch or etching.” It is also interesting to note that the number 666 is a word in the original Greek language. The word is “chi xi stigma,” with the last part, “stigma,” also meaning “to stick or prick.”

    Carl Sanders asked a doctor what would happen if the lithium contained within the RFID microchip leaked into the body. The doctor replied by saying a terrible sore would appear in that location. This is what the book of Revelation says: “And the first(Angel) went, and poured out his vial on the earth; and there fell a noisome and grievous sore on the men which had the mark of the beast, and on them which worshipped his image” (Revelation 16:2).

    WHAT IS THE NAME OF THE BEAST, THE NUMBER OF ITS NAME? THE MYSTERY OF THE NUMBER 666 REVEALED?

    What I first want to explain, before I share my thoughts on the number of the beast, is that God confirms in threes. We can see this throughout scripture: “For there are three that bear witness in heaven: the Father, the Word, and the Holy Spirit; and these three are one” (1 John 5:7 NKJV). “and that He was buried, and that He rose again the third day according to the Scriptures” (1 Corinthians 15:4 NKJV). “…Holy, holy, holy, Lord God Almighty, Who was and is and is to come!” (Revelation 4:8 NKJV). There are many more examples, but I thought I would just share three of them to make the point.

    Looking at Revelation 13:16-18, the first group of three I would like to bring to attention is that the mark of the beast is detailed in three separate verses, 16, 17 and 18. The next three I see is in verse 16, “He causes all…” is followed by three contrasting categories of people, “both small and great, rich and poor, free and slave…”. Then unto verse 17, it opens with, “and that no one may buy or sell except one who has…”, followed by three explanations of what one must have to buy or sell, “…the mark or the name of the beast, or the number of his name”. Then in verse 18, we read “Let him who has understanding calculate…”, which is followed by, “the number of the beast, for it is the number of a man: His number is 666”. The last three I see is the number 6 being used three times in a row. The reason I’m making this point is because of the number 666, as you will read below.

    “17: even that not any could buy or sell, except the one having the mark, or the name of the beast, or the number of its name” (Literal Greek Translation).

    Here we see the mark being identified as having the name of the beast, and that name being identified as being a number. We can know that these attributes being shown in verse 17 are all in one thing because the Bible warns of us about receiving the mark, singular. It is clear in verse 17 that we cannot buy or sell without the mark(being previously identified as a microchip), but why cant we buy or sell without the name of the beast, or the number of its name? What does that have to do with us buying or selling if the number of the beast only applies to identifying the Antichrist, as the common thought has been? So we need the number of the beast to buy or sell. What does this mean?

    “here the wisdom is, the one having the mind let him calculate the number of the wild beast, number for of human it is, and the number of it 666” (Revelation 13:8 Greek Translation).

    “Here is wisdom. Let him that has understanding count the number of the beast: for the number of man; and its number is six hundred sixty-six” (Jubilee Bible 2000 translation).

    “In this situation wisdom is needed. Let the person who has insight figure out the number of the beast, because it is a human number. The beast’s number is 666” (GOD’S WORD translation).

    The Greek word “anthrōpos” being used in verse 18 where it says “of human” is the Greek strongs concordance G444. The first two definitions of the word are “a human being, whether male or female”, and, “generically, to include all human individuals”. Could the number of the beast apply to all mankind? In the Greek, and other translations, you will notice the beast is described as an “it”, instead of “him”. The reason I’m making this point is because when a translation says “His number is 666”, this would imply a singular person, the Antichrist. But by saying “the number of it 666”, implies that it is of the beast system as a whole.

    Throughout time there have been people trying to calculate numbers based on titles and names that add up to the number 666 to identify one person. But from verse 18, I do not see where God is instructing us to count up to 666, but rather to count the number of the beast. This number is identified as 666. So the verse is telling us to count the number 666.

    What does it mean to count? It means to add up. So how could we add up 666? Remember my previous point about God confirming in threes. So logically, what would be the best way to count the number 666? To count it equally in threes based off the number. We cannot count it equally as 600+60+6, this would also bring us back to the start. We cannot count it as 600+600+600, or 60+60+60, because there are no zeroes in between or at the end of 666. The only option is 6+6+6=18. What is interesting is that the verse that reveals for us to count the number itself is verse 18, being the third verse out of three verses that describe the mark of the beast. What is 18 divided by 3? 6. So 3×6=18, or 6+6+6=18.

    Another interesting point is the only two other combinations(making a total of three possible combinations) for placing a “+” symbol in between the 6’s are 66+6=72, and 6+66=72. Adding 7+2 and 7+2 equals 18. Add both 72’s together and you get 144. Why the number 144 is interesting is because the verse following Revelation 13:18 is the first time in the Bible where the 144,000 are being described in detail: “Then I looked, and behold, a Lamb standing on Mount Zion, and with Him one hundred and forty-four thousand, having His Father’s name written on their foreheads…” (Revelation 14:1).

    Now if you add up all three numbers by counting 666 by moving the “+” symbol around, it would be 72+72+18=162. What is interesting about the number 162, is, if you divide 144,000 by 162, you get 888. The name of Jesus in Greek gematria adds up to 888. Revelation 14:1 not only mentions the 144,000, but also the Lamb who is Jesus.

    Applying the same format that I used with calculating the number 666, in which I got the numbers 144 and 162, they also bring interesting results bringing us to the number 18:

    – 14+4=18*

    – 16+2=18*

    – 1+4+4=(9), 1+6+2=(9), (9+9)=18*

    – 1+44=(45), 1+62=(63), (4+5)=9, (6+3)=9, 9+9=18* | (45+63)=108, 10+8=18*

    – 14+4=(18), 1+44=(45), (1+8)=9, (4+5)=9, 9+9=18* | (18+45)=[63] | 16+2=(18), 1+62=(63), (1+8)=9, (6+3)=9, 9+9=18* | (18+63)=[81] | [6+3]=9, [8+1]=9, 9+9=18* | [63+81]=144

    – 1+4+4=(9), 14+4=(18), 1+44=(45), (9+18+45)=[72] (any two combinations of (9, 18, 45, and 72 will add to 18*) | 1+6+2=(9), 16+2=(18), 1+62=(63), 9+18+63=[90] (any two combinations of (9, 18, 63, and 90 will get you 18*) | [7+2]=9, [9+0]=9, 9+9=18* | [72+90]=162

    Now what is interesting about the number for Jesus, 888, is that if you apply this same formula, you get 8+8+8=24. Why the number 24? Revelation chapter 4 tells us there are 24 elders seated around the throne of God. This is the same throne where Jesus sits.

    Now if you take 8+8+8=24, and 8+88=96, and 88+8=96, you get 24+96+96=216. Take 144,000 divided by 216 and you get 666. Remember that this was the same exact formula to get the number 162 out of counting 666 that brought about the number 888 when dividing 144,000 by 162. It is perpetual.

    With using the same formula of counting by adding the “+” symbol in between the numbers, why do all these numbers relate in such a way?

    Another interesting point to note is that if you add up all the numbers from 1 to 36, it totals 666. The number 36, as in three sixes? Could this be a hint that we should add up three sixes instead of perceiving the number as six-hundred sixty six?

    So what could this mean? We know in this world we are labeled by numbers in various forms. From our birth certificate to social security, as well as our drivers license, being labeled based upon a structure of rulership. So it is plausible that this RFID chip will contain a new identification that has a total of 18 characters. Could this be the name of the beast, the number of its name? The beast system that is identified by 18 characters? This would fit scripture that speaks of a mark that we must have to buy or sell in our right hand or forehead, and that it also contains the number of the beast, during a future cashless society.

    Revelation 13:11-15 tells us that a false prophet will rise up deceiving many to take the mark because of the miracles he does before men. At all costs do not take it!

    “Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name” (Revelation 14:9-11).

    Did you hear about the woman from a major media outlet who reported a major event occurring approximately 20 minutes before it actually happened?

    It’s time we know the truth.

    A reporter from BBC reported the fall of World Trade Center 7 on September 11th 2001 approximately 20 minutes before it actually fell!

    Remember, WTC 7 did not get hit by anything, so there would be no reason to assume it would collapse. But she didn’t report on assumption, but that it in fact did collapse!

    What can we conclude? The only logical explanation is that the power that orchestrated 9/11 is the same power that controls the major media outlets!

    Don’t believe me? See the broadcast yourself uploaded on YouTube titled: “BBC Reports 911, WTC 7 Collapse BEFORE it Happens”

    It gets even worse…

    Did you know there is other footage they don’t want us to see twice? I’m speaking of footage on the day of September 11th 2001 during the time the planes hit both Trade Towers. Eye witness reports say the following concerning the planes:

    – “No, it wasn’t a commercial airliner”
    – “…but it didn’t have any markings on it that I saw”
    – “no emblems, no logos”
    – “It definitely did not look like a commercial plane”
    – “I did not see any windows on the sides”
    – “It was a black plane, it looked like a fighter jet”
    – “It was black, it looks like a military plane”
    – “It was a military plane”

    This video also shares testimonies from firefighters who share their story being in the trade towers as bombs were going off(to weaken the steel beams of the buildings to cause the free fall collapse).

    As a terrorist, how could you smuggle bombs into the trade towers with all of its security systems which includes bomb sniffing dogs? Also, if terrorists did plant the bombs, then why weren’t we told about the bombs?!

    You can watch a video of this on YouTube by titled: “9/11 – THE FOOTAGE THEY DIDN’T LET YOU SEE TWICE (9/11 2001 Documentary)”

    What about the attack on the Pentagon? Was it really a plane that hit it, or something else, maybe a missle?

    Why did the FBI go around and confiscate camera footage from the surrounding buildings not releasing them to the public when they clearly showed us the planes that hit the world trade towers?

    Why was the only footage presented to the public from one of the most heavily guarded buildings in the world low quality footage showing only five frames at about one frame per second?

    The U.S. Secretary of Defense Donald Rumsfeld admitted the day before the attack that the Pentagon was missing 2.3 trillion dollars. Could this attack on the Pentagon have anything to do with covering up that information?

    So where is this all leading to? What’s the purpose of this major event that occurred on September 11th 2001? Why did we go to war with Afghanistan and Iraq?

    David Rockefeller is quoted to be saying in his memoir:

    “Some even believe we are part of a secret cabal working against the best interests of the United States, characterizing my family and me as ‘internationalists’ and of conspiring with others around the world to build a more integrated global political and economic structure–one world, if you will. If that’s the charge, I stand guilty, and I am proud of it.” – David Rockefeller, Memoirs

    Another video to watch is an infamous interview done with movie producer Aaron Russo titled, “Aaron Russo RFID Human Implant Chip”

    Aaron Russo produced such movies as Mad as Hell, Trading Places, and America: Freedom to Fascism. He gained the attention of a man named Nick Rockefeller who saw the movie Made as Hell and knew Aaron was running for governor of Nevada. Knowing the impact Aaron was having on society, who being a freedom fighter standing for the constitution of the United States, Nick sought to befriend him to subtly recruit him into his secret society.

    Aaron shares what Nick had told him:

    “He’s the one who told me 11 months before 9/11 ever happened that there was going to be an event. He never told me what the event was going to be…and out of that event we were going to invade Afghanistan to run pipelines from the Caspian Sea. We are going to invade Iraq to take over the oil fields to establish a base in the middle east, and make it all part of the New World Order…”

    “I remember he was telling me how he was going to see soldiers looking in caves for people in Afghanistan and Pakistan and all these places. And there was going to be this war on terror, where this is no real enemy, and the whole thing is a giant hoax. But it is a way for the government to take over the American people…”

    Aaron asked Nick, “What’s the end goal? And he said the end goal is to get everyone chipped to control the whole society. To have the bankers, the elite people controlling the world…”

    Visit http://WWW.BIBLEFREEDOM.COM to see all the proof! It is at the point where it takes more faith not to believe that the Bible truly is the word of God!

    You will see proof for Noah’s Ark, the Red Sea Crossing, Sodom and Gromorrah, scientific evidence the Bible is inspired by God, testimonies from all walks of life concerning Jesus, and much more!

    “EITHER HUMAN INTELLIGENCE ULTIMATELY OWES ITS ORIGIN TO MINDLESS MATTER OR THERE IS A CREATOR…” – JOHN LENNOX

    For some time, the dominate theory in the scientific community was that the universe was eternal, without a beginning. As progression was made, the final conclusion came to be that the universe is expanding from a single point known as the Big Bang, in which space, time and matter all came into existence at that single event.

    This troubled scientists who’s worldview was purely naturalistic, as this notion concludes that what caused the universe to come into existence must be spaceless, timeless, and inmateral, favoring the Biblical God.

    The non-biblical religions tell us that god or god’s create within space and time that eternally exist. The Bible stands alone and says that time and space don’t exist until God creates the universe.

    The Bible tells us that God is a Spirit who fills the Earth, the heavens, and the Heavens of Heavens cannot contain Him. That He dwells in unaproachable light, being eternal with no beginning. This is the type of being who could cause the universe to come into existence. This also fits with reason that there must be an uncaused cause, otherwise you are left with an infinite regression in which idea is not logically coherent.

    The Bible also states in multiple places that God stretches out the heavens, thousands of years before scientists discovered an expanding universe.

    Ask yourself, if there is a God, wouldn’t He be personal, because we as His creation are personal? Wouldn’t He have reached out to us by now? Wouldn’t His word be the most read and translated in the history of the world, full of predictive prophecies? The Bible is that word!

    “For the scientist who has lived by his faith in the power of reason, the story ends like a bad dream. He has scaled the mountains of ignorance; he is about to conquer the highest peak; as he pulls himself over the final rock, he is greeted by a band of theologians who have been sitting there for centuries.” – Robert Jastrow, astronomer

    Jesus says we must be born again to enter the kingdom of God (John 3). In our sins, we are spiritually dead. Therefore we must be born from above by the Spirit of God to be made alive again.

    I hope this information has convinced you of the truth of the Gospel of Jesus Christ for the salvation of your soul. All religion is man-made, and the Bible warns that there will be many false doctrines that will spread throughout the world. Jesus calls us to pick up our cross and follow Him. Not any religion or denomination. He wants us to have a relationship with our Father in Heaven, to worship Him in spirit and in truth.

    Jesus says narrow is the way that leads to life, and few be there that find it (Matthew 7:13-14). Will you humble yourself before the Lord tonight in prayer, acknowledging that you need a savior? He is faithul to forgive. Keep asking Him for the Holy Spirit, so you may receive the Spirit of Christ, giving you a new heart, and He will lead you into all truth.

    “He who covers his sins will not prosper, But whoever confesses and forsakes them will have mercy” (Proverbs 28:13).

    Place your trust and hope in Jesus Christ. Today is the day of salvation, for you are not promised tomorrow!

    Jesus said to him, “I am the way, the truth, and the life. No one comes to the Father except through Me” (John 14:6).

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