Monetary Authority of Singapore has been promoting the ADR mechanism through educational supportive programs. The central bank of Morocco created a system of resolving bank and borrowers disputes. It may be noted that the concept of settling disputes outside court is historically well known to Pakistani society in the form of Punchayat and Jirga etc.
Estimates of this concept of the real interest rate are broadly similar to the range that I mentioned earlier [2-3 per cent], though closer to the lower limit. But the uncertainty surrounding these estimates is higher.