Media captionTwo separate schemes in Thailand and Jordan are helping empower communities who have no collateral

What do you do if you need to borrow money but the bank turns you down?

Well, if you have the potential for good karma, you may consider signing up to Buddhist monk Phra Subin Paneetos micro-lending scheme, which is spreading across Asia, as Hoang Nguyen finds out.

Meanwhile, Carolina Valladares and Mohamad Chreyteh head to Jordan to find out how aspiring businesswomen are bypassing the banks.

No collateral? No problem....

Sajja Sasom Sab, Thailand