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Free money, anyone?

With no lawyers, no collateral and no credit rating, the Grameen loan and banking system can seem more fantasy than fact, and yet its unparalleled success in many developing countries around the world is beyond dispute.

Now, in the depths of one of the worst financial crashes in decades, this Bangladeshi banking phenomenon is coming to Glasgow. Run entirely for the benefit of its customers, and with executives that neither earn shares nor earn bonuses, this new gospel of financial independence claims to bank the unbankable and offer real hope to the needy.

But can a third world idea from Bangladesh really work in the tough schemes and rigid welfare rules of modern-day Scotland? Sally Magnusson investigates.