Delay in shifting to a hospital (42% of 85)		Payment* of hospital costs	% (n=80)†
Reasons* for delay	% (n=36)
Misjudged severity of illness	30.6	Family income and savings	87.5
Economic constraint	33.3	Borrow from relatives or friends	46.2
No transport to shift	33.3	Borrow from moneylender or microcredit	6.2
Hospital at too far	19.4
Male person not available	30.6	Assets mortgage or sale	3.7
Others (doctor absent, rain, strike)	8.3	Health insurance	1.2
Patient afraid of surgical operation	5.6	Other	1.2