What NOC is your husband? What did he show for home ties? Possible job offer in Ghana, or at least prospect thereof? Did he specify all these in his cover letter? Applying from Saudi (UAE generally) is problematic for proving home ties. Did you apply for your study permit from Saudi too?
Yes you can apply for visitors' visa, nothing stops you from doing that. But note that visitor's visa is currently not being processed so expect extended delays.
Any which way, better apply for GCMS note to ascertain real reason for rejection.