| Variable Name | Variable Description & Justification | Variable Measurement |
| mtnage | Age of the mother under study. Young mothers more likely to utilize maternal healthcare services compared to old mothers (Digambar, 2017 and | No. of years (15 to 49) |
| hinco | The household income with the wealthy households more likely to utilise maternal healthcare services compared to poor households. | Wealth index (1 to 5)4 |
| plres | The place where the woman lives either rural or urban residence with urban dwellers having more access than rural | Dummy being 1 for urban and 0 for rural. |
| insur | Health insurance cover which increases the probability of utilising formal healthcare facilities (Larsen (2004) and | Dummy with 1 if a woman has a health insurance policy and 0 otherwise. |
| mtedu | The level of education of the woman where the more educated the woman is, the higher the probability of utilising maternal healthcare services mediated through higher income | Categorical variable5 |
| chlnm | The number of living children that a woman has at last pregnancy as a proxy for woman prior experience to utilisation of healthcare facilities. Utilisation of maternal healthcare services decreases with an increase in the number of children. | No. of children |
| rresid | The region of residence (province) being an indicator of extent of inequality in healthcare infrastructure availability | Regional dummies (1 - 6 for the 6 Provinces) |
| rel | The religion of the woman. Being apostolic reduces the probability of utilising maternal healthcare services (Chepkorir et al. 2014). | Dummy being 1 for apostolic sect and 0 otherwise. |
| hsize | Household size being the number of members in the household. Individuals from large households less likely to seek healthcare services from healthcare facilities mediated through income (Muchabaiwa et al., 2013). | Number of members in the household. |
| empst | Employment status of the woman with employment increasing chances of using healthcare facilities to the extent the woman control her income (Addai, 2000). | Dummy variable 1 for employed women and 0 otherwise. |
| bthord | Birth order capturing whether the child was a first born, second born or any position at the time of survey being another proxy for woman prior experience to utilisation of healthcare facilities. | 1 for 1st born, 2 for 2nd born up n for nth born. |
| µ | a stochastic error term |
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| βi s | constants |
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