Health Belief Model Construct	Women who utilised skilled health personnel for delivery	Women who did not utilise skilled health personnel for delivery	Important differences between groups	Notes
Modifying Factors (other than demographics)
Knowledge/awareness
Aware of recommended guidelines to utilise skilled health personnel for delivery	most	most		Fewer were aware among those who did not utilise skilled health personnel for delivery
Knowledge of where to obtain maternal health services	most	most
Maternal death causes/prevention themes: belief in physical, spiritual, and behavioural factors	most	most
Individual Beliefs
Perceived susceptibility, severity, and threat
Believe it is possible she could suffer a complication during childbirth	most	split	x	More than half of mothers who did not utilise skilled health personnel responded 'no'
Believe it is important to deliver utilising skilled health personnel	most	split	x	More than half of mothers who did not utilise skilled health personnel said, 'it is only important for those with complications'
Perceived benefits
Believe there are benefits to skilled delivery	most	most
Themes: Skilled health personnel have expertise, medications, and can solve complications	most	most
Perceived barriers
Think there are barriers to skilled delivery	most	most
Themes: Cost, distance, and transportation	most	most
Sub-theme: mistreatment or neglect by health staff	some	some
Perceived self-efficacy
Capability to adhere to guidelines to utilise skilled health personnel for delivery, overcoming obstacles of transportation and cost	most	few	x
Action
Cues to action (taken in last pregnancy)
Enroll in free maternal health insurance	most	most
Attend 4+ antenatal visits	most	most
Planned and prepared for delivery utilising skilled health personnel	most	few	x