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Global Health Economics and
            Sustainability
                                                                                  Maternal health-care service utilization



            Table 3. MHCS utilization between poorest and richest   reveal that if the poorest women use ANC4+ services
            women in the EAG states of India                   according to their features (D = 0), they would still face
                                                               discrimination (26.4% during 2019 – 2021). However,
            Year     ANC4+          SBA           PNC          if the characteristics of the richest women prevailed
                  Poorest  Richest  Poorest  Richest  Poorest  Richest  (i.e., D = 1), the poorest women would experience even
            India                                              greater discrimination (37.4%). If the average characteristics
             1998  10.80  67.26  13.74  71.70  0.00  61.65     prevailed (D = 0.5), the poorest would experience slightly
             2005  12.15  77.36  13.20  85.57  32.66  45.85    less inequality (31.9%). Moreover, pooled data reveal that
             2015  24.99  73.04  61.48  96.25  53.27  83.07    the poorest women could reduce inequalities to 27.3%.
             2021  41.80  71.82  77.60  96.83  82.13  75.47    Similar results are observed regarding SBA and PNC.
            Rajasthan                                          4. Discussion
             1998  3.57   43.00  8.22  52.32   0.00  54.05
                                                               This paper examined trends, patterns, determinants,
             2005  5.92   77.96  6.13  91.69  34.51  31.22     inequalities, and regional differences in MHCS utilization
             2015  55.70  78.41  69.06  99.10  72.57  87.03    in the EAG states. Findings reveal that MHCS utilization
             2021  30.45  62.29  66.06  96.10  84.37  77.09    has been increasing over the years among both poor and
            Uttar Pradesh                                      rich women. Women living in rural areas were less likely
             1998  0.98   39.78  6.42  52.26   0.00  60.39     to use MHCS compared to their urban counterparts.
             2005  16.98  83.01  21.00  86.68  51.25  47.51    Rural–urban differences have also been observed in
             2015  0.52   56.96  10.36  76.13  9.75  58.06     other studies (Singh et al., 2012; Yadav & Jena, 2021). The
                                                               lower utilization of MHCSs in rural areas may be due to
             2021  65.51  84.64  84.75  97.88  76.75  66.89    asymmetric information, lack of infrastructure, inadequate
            Bihar                                              medicine and health personnel, and transport facilities.
             1998  2.27   52.92  7.14  56.71   0.00  38.98     Women’s education  significantly  influences  MHCS
             2005  0.00   0.00   0.00   0.00   0.00  0.00      utilization as higher levels of education among women were
             2015  32.26  75.34  52.22  98.73  52.44  87.34    associated with a greater likelihood of accessing MHCSs
             2021  66.67  87.77  33.33  100.00  100.00  64.86  than uneducated women. These findings align with other
            Madhya Pradesh                                     studies conducted in developing countries (Kumar, 2012;
                                                               Singh  et al., 2012; Yadav  et al., 2022). Educated women
             1998  5.13   46.13  7.61  55.90   0.00  43.27
                                                               are more capable of making informed decisions regarding
             2005  6.69   59.10  7.44  77.81  50.88  48.42     their health-care needs compared to uneducated women.
             2015  12.65  55.27  38.90  92.88  41.82  80.87      Muslims and women belonging to other religions were
             2021  24.44  54.33  61.95  99.38  76.53  76.26    less likely to use MHCSs than Hindu women, which is
            Odisha                                             consistent with the previous studies (Paul & Chouhan,
             1998  15.13  69.58  11.50  64.88  0.00  43.82     2020; Singh  et al., 2012; Yadav  et al., 2022). Further,
             2005  4.22   74.19  4.60  85.95  10.82  45.91     Scheduled Caste women were less likely to use MHCSs
             2015  100.00  81.78  100.00  99.00  100.00  94.88  compared to Scheduled Tribe women. Income, MME, and
             2021  42.52  73.47  76.13  94.97  73.11  67.99    women’s  autonomy  also  play  significant  roles  in  MHCS
            Source: Authors’ estimation based on NFHS data from different rounds.  utilization. Income has a strong and positive impact on
            Abbreviations: ANC4+: Antenatal care; PNC: Postnatal care;   MHCS, with women with higher income quintiles being
            SBA: Skilled birth assistance; MHCS: Maternal health-care service;   more likely to use MHCSs than the poorest women,
            EAG: Empowered action group.                       which is consistent with other studies (Chouhan, 2020;
                                                               Singh et al., 2012; Yadav & Jena, 2020). Wealthier women
            3.5. Blinder–Oaxaca decomposition method (BODM)    can afford health-care services more easily as the richest
            results                                            household can spend a higher proportion of their income
                                                               on health-care needs than the poorest women.
            The study employed the threefold BODM to examine the
            discrimination in MHCS utilization between the poorest   High MME positively influences MHCS utilization
            and richest women in the EAG states of India. The results   (Fatema & Lariscy, 2020), as does  women’s autonomy.
            show a significant difference in ANC4+, SBA, and PNC   These findings are similar to those of studies conducted
            utilization between the two groups, with the maximum   in developing countries in Southeast Asia (Sohn & Jung,
            differences explained by endowment effects. The findings   2019). Regional differences also impact MHCS utilization



            Volume 3 Issue 1 (2025)                         96                       https://doi.org/10.36922/ghes.3324
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