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      The willingness of orthopaedic trauma patients in Uganda to accept financial loans following injury

      research-article
      , MHA a , , MBBS b , , MD c , , MMED, PhD, FCS (ECSA) b
      OTA International
      Wolters Kluwer Health
      economics, financing, fracture, global health, loan, trauma

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          Abstract

          Background:

          Early access to a monetary loan may mitigate some of the socioeconomic burden associated with surgical treatment and lost wages following injury. The primary objective of this study was to determine the willingness of orthopaedic trauma patients in Uganda to accept a formal financial loan shortly after their time of injury.

          Methods:

          A consecutive sample of adult orthopaedic trauma patients admitted to Uganda's national referral hospital was included in the survey. The primary outcome was the self-reported willingness to accept a financial loan. Secondary outcomes included the preferred loan terms, fracture treatment costs, and the factors associated with loan willingness.

          Results:

          Of the 40 respondents (mean age, 40 years; 58% male), the median annual income was $582 United States dollars (USD) (range: $0–$6720). Around 50% reported a willingness to accept a loan with any terms. Patients requested loans with a median principal of $500 USD and a median interest rate of 5% with 12 months to pay back. Patients had received loans with a median principal of $142 USD, an interest rate of 10%, and payback of 6 months. These received loans covered a mean of 63% of the treatment costs. Patients with higher median incomes ($857 USD vs $342 USD) were more willing to accept a loan.

          Conclusion:

          This study demonstrated a limited interest of orthopaedic trauma patients in Uganda to procure loans through formalized lending. This observed resistance must be overcome in future programs that rely on mechanisms such as conditional cash transfers or microfinancing to improve clinical and socioeconomic outcomes after injury.

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          Most cited references18

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          Is Open Access

          Catastrophic expenditure to pay for surgery worldwide: a modelling study.

          Approximately 150 million individuals worldwide face catastrophic expenditure each year from medical costs alone, and the non-medical costs of accessing care increase that number. The proportion of this expenditure related to surgery is unknown. Because the World Bank has proposed elimination of medical impoverishment by 2030, the effect of surgical conditions on financial catastrophe should be quantified so that any financial risk protection mechanisms can appropriately incorporate surgery.
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            Unconditional cash transfers for reducing poverty and vulnerabilities: effect on use of health services and health outcomes in low- and middle-income countries

            Unconditional cash transfers (UCTs; provided without obligation) for reducing poverty and vulnerabilities (e.g. orphanhood, old age or HIV infection) are a type of social protection intervention that addresses a key social determinant of health (income) in low‐ and middle‐income countries (LMICs). The relative effectiveness of UCTs compared with conditional cash transfers (CCTs; provided so long as the recipient engages in prescribed behaviours such as using a health service or attending school) is unknown. To assess the effects of UCTs for improving health services use and health outcomes in vulnerable children and adults in LMICs. Secondary objectives are to assess the effects of UCTs on social determinants of health and healthcare expenditure and to compare to effects of UCTs versus CCTs. We searched 17 electronic academic databases, including the Cochrane Public Health Group Specialised Register, the Cochrane Database of Systematic Reviews (the Cochrane Library 2017, Issue 5), MEDLINE and Embase, in May 2017. We also searched six electronic grey literature databases and websites of key organisations, handsearched key journals and included records, and sought expert advice. We included both parallel group and cluster‐randomised controlled trials (RCTs), quasi‐RCTs, cohort and controlled before‐and‐after (CBAs) studies, and interrupted time series studies of UCT interventions in children (0 to 17 years) and adults (18 years or older) in LMICs. Comparison groups received either no UCT or a smaller UCT. Our primary outcomes were any health services use or health outcome. Two reviewers independently screened potentially relevant records for inclusion criteria, extracted data and assessed the risk of bias. We tried to obtain missing data from study authors if feasible. For cluster‐RCTs, we generally calculated risk ratios for dichotomous outcomes from crude frequency measures in approximately correct analyses. Meta‐analyses applied the inverse variance or Mantel‐Haenszel method with random effects. We assessed the quality of evidence using the GRADE approach. We included 21 studies (16 cluster‐RCTs, 4 CBAs and 1 cohort study) involving 1,092,877 participants (36,068 children and 1,056,809 adults) and 31,865 households in Africa, the Americas and South‐East Asia in our meta‐analyses and narrative synthesis. The 17 types of UCTs we identified, including one basic universal income intervention, were pilot or established government programmes or research experiments. The cash value was equivalent to 1.3% to 53.9% of the annualised gross domestic product per capita. All studies compared a UCT with no UCT, and three studies also compared a UCT with a CCT. Most studies carried an overall high risk of bias (i.e. often selection and/or performance bias). Most studies were funded by national governments and/or international organisations. Throughout the review, we use the words 'probably' to indicate moderate‐quality evidence, 'may/maybe' for low‐quality evidence, and 'uncertain' for very low‐quality evidence. UCTs may not have impacted the likelihood of having used any health service in the previous 1 to 12 months, when participants were followed up between 12 and 24 months into the intervention (risk ratio (RR) 1.04, 95% confidence interval (CI) 1.00 to 1.09, P = 0.07, 5 cluster‐RCTs, N = 4972, I² = 2%, low‐quality evidence). At one to two years, UCTs probably led to a clinically meaningful, very large reduction in the likelihood of having had any illness in the previous two weeks to three months (odds ratio (OR) 0.73, 95% CI 0.57 to 0.93, 5 cluster‐RCTs, N = 8446, I² = 57%, moderate‐quality evidence). Evidence from five cluster‐RCTs on food security was too inconsistent to be combined in a meta‐analysis, but it suggested that at 13 to 24 months' follow‐up, UCTs could increase the likelihood of having been food secure over the previous month (low‐quality evidence). UCTs may have increased participants' level of dietary diversity over the previous week, when assessed with the Household Dietary Diversity Score and followed up 24 months into the intervention (mean difference (MD) 0.59 food categories, 95% CI 0.18 to 1.01, 4 cluster‐RCTs, N = 9347, I² = 79%, low‐quality evidence). Despite several studies providing relevant evidence, the effects of UCTs on the likelihood of being moderately stunted and on the level of depression remain uncertain. No evidence was available on the effect of a UCT on the likelihood of having died. UCTs probably led to a clinically meaningful, moderate increase in the likelihood of currently attending school, when assessed at 12 to 24 months into the intervention (RR 1.06, 95% CI 1.03 to 1.09, 6 cluster‐RCTs, N = 4800, I² = 0%, moderate‐quality evidence). The evidence was uncertain for whether UCTs impacted livestock ownership, extreme poverty, participation in child labour, adult employment or parenting quality. Evidence from six cluster‐RCTs on healthcare expenditure was too inconsistent to be combined in a meta‐analysis, but it suggested that UCTs may have increased the amount of money spent on health care at 7 to 24 months into the intervention (low‐quality evidence). The effects of UCTs on health equity (or unfair and remedial health inequalities) were very uncertain. We did not identify any harms from UCTs. Three cluster‐RCTs compared UCTs versus CCTs with regard to the likelihood of having used any health services, the likelihood of having had any illness or the level of dietary diversity, but evidence was limited to one study per outcome and was very uncertain for all three. This body of evidence suggests that unconditional cash transfers (UCTs) may not impact a summary measure of health service use in children and adults in LMICs. However, UCTs probably or may improve some health outcomes (i.e. the likelihood of having had any illness, the likelihood of having been food secure, and the level of dietary diversity), one social determinant of health (i.e. the likelihood of attending school), and healthcare expenditure. The evidence on the relative effectiveness of UCTs and CCTs remains very uncertain. Unconditional cash transfers for reducing poverty: effect on health services use and health outcomes in low‐ and middle‐income countries Review question Some programmes provide cash transfers or grants for reducing poverty and vulnerabilities without imposing any obligations on the recipients ('unconditional cash transfers', or UCTs) in low‐ and middle‐income countries (LMICs). Other times, people can only receive these cash transfers if they engage in required behaviours, such as using health services or sending their children to school ('conditional cash transfers', or CCTs). This review aimed to find out whether receiving UCTs would improve people's use of health services and their health outcomes, compared with not receiving a UCT, receiving a smaller UCT amount or receiving a CCT. It also aimed to assess the effects of UCTs on daily living conditions that determine health and healthcare spending. Background UCTs are a type of social protection intervention that addresses income. It is unknown whether UCTs are more, less or equally as effective as CCTs. We reviewed the evidence on the effect of UCTs on health service use and health outcomes among children and adults in LMICs. Study characteristics The evidence is current to May 2017. We included experimental and selected non‐experimental studies of UCTs in people of all ages in LMICs. We included studies that compared participants who received a UCT with those who received no UCT. We looked for studies that examined health services use and health outcomes. We found 21 studies (16 experimental and 5 non‐experimental ones) with 1,092,877 participants (36,068 children and 1,056,809 adults) and 31,865 households in Africa, the Americas and South‐East Asia. The UCTs were government programmes or research experiments. Most studies were funded by national governments and/or international organisations. Key results We use the words 'probably' to indicate moderate‐quality evidence, 'may/maybe' for low‐quality evidence, and 'uncertain' for very low‐quality evidence. A UCT may not impact the likelihood of having used any health service in the previous 1 to 12 months. UCTs probably led to a clinically meaningful, very large reduction in the risk of having had any illness in the previous two weeks to three months. They may increase the likelihood of having had secure access to food over the previous month. They may also increase the average number of different food groups consumed in the household over the previous week. Despite several studies providing relevant evidence, the effects of UCTs on the likelihood of stunting and on depression levels remain uncertain. No study estimated effects on dying. UCTs probably led to a clinically meaningful, moderate increase in the likelihood of currently attending school. The evidence was uncertain for whether UCTs impacted livestock ownership, extreme poverty, participation in child labour, adult employment and parenting quality. UCTs may increase the amount of money spent on health care. The effects of UCTs on differences in health were very uncertain. We did not identify any harms from UCTs. Three experimental studies reported evidence on the impact of a UCT compared with a CCT on the likelihood of having used any health services, the likelihood of having had any illness or the average number of food groups consumed in the household, but evidence was limited to one study per outcome and was very uncertain for all three. Quality of the evidence Of the seven prioritised primary outcomes, the body of evidence for one outcome was of moderate quality, for three outcomes of low quality, for two outcomes of very low quality, and for one outcome, there was no evidence at all. Conclusions This body of evidence suggests that unconditional cash transfer (UCTs) may not impact health services use among children and adults in LMICs. UCTs probably or may improve some health outcomes (i.e. the likelihood of having had any illness, the likelihood of having secure access to food, and diversity in one's diet), one social determinant of health (i.e. the likelihood of attending school), and healthcare expenditure. The evidence on the health effects of UCTs compared with those of CCTs is uncertain.
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              Out-of-pocket payment for surgery in Uganda: The rate of impoverishing and catastrophic expenditure at a government hospital

              Background and objectives It is Ugandan governmental policy that all surgical care delivered at government hospitals in Uganda is to be provided to patients free of charge. In practice, however, frequent stock-outs and broken equipment require patients to pay for large portions of their care out of their own pocket. The purpose of this study was to determine the financial impact on patients who undergo surgery at a government hospital in Uganda. Methods Every surgical patient discharged from a surgical ward at a large regional referral hospital in rural southwestern Uganda over a 3-week period in April 2016 was asked to participate. Patients who agreed were surveyed to determine their baseline level of poverty and to assess the financial impact of the hospitalization. Rates of impoverishment and catastrophic expenditure were then calculated. An “impoverishing expense” is defined as one that pushes a household below published poverty thresholds. A “catastrophic expense” was incurred if the patient spent more than 10% of their average annual expenditures. Results We interviewed 295 out of a possible 320 patients during the study period. 46% (CI 40–52%) of our patients met the World Bank’s definition of extreme poverty ($1.90/person/day). After receiving surgical care an additional 10 patients faced extreme poverty, and 5 patients were newly impoverished by the World Bank’s definition ($3.10/person/day). 31% of patients faced a catastrophic expenditure of more than 10% of their estimated total yearly expenses. 53% of the households in our study had to borrow money to pay for care, 21% had to sell possessions, and 17% lost a job as a result of the patient’s hospitalization. Only 5% of our patients received some form of charity. Conclusions and relevance Despite the government’s policy to provide “free care,” undergoing an operation at a government hospital in Uganda can result in a severe economic burden to patients and their families. Alternative financing schemes to provide financial protection are critically needed.
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                Author and article information

                Journal
                OTA Int
                OTA Int
                OI9
                OTA International
                Wolters Kluwer Health
                2574-2167
                December 2019
                09 April 2019
                : 2
                : 4
                : e028
                Affiliations
                [a ]Department of Orthopaedics, University of Maryland School of Medicine, Baltimore, MD
                [b ]Department of Orthopaedics, Makerere University College of Health Sciences, Kampala, Uganda
                [c ]Department of Orthopaedics, University of British Columbia, Vancouver, BC, V5Z 1M9, Canada
                Author notes
                []Corresponding author. Address: Department of Orthopaedics, University of Maryland School of Medicine, 110 S. Paca St., Baltimore, MD 21201. E-mail address: nohara@ 123456som.umaryland.edu (Nathan N. O’Hara).

                The authors have no funding and no conflicts of interest to disclose.

                Supplemental digital content is available for this article.

                Article
                OTAI-D-18-00049 00010
                10.1097/OI9.0000000000000028
                7997123
                33937660
                961c2f71-c8ba-4718-b047-bd7fd3764d6d
                Copyright © 2019 The Authors. Published by Wolters Kluwer Health, Inc. on behalf of the Orthopaedic Trauma Association.

                This is an open-access article distributed under the terms of the Creative Commons Attribution-Non Commercial-No Derivatives License 4.0 (CCBY-NC-ND), where it is permissible to download and share the work provided it is properly cited. The work cannot be changed in any way or used commercially without permission from the journal.

                History
                : 2 October 2018
                : 22 December 2018
                Categories
                Clinical/Basic Science Research Article
                Custom metadata
                TRUE

                economics,financing,fracture,global health,loan,trauma
                economics, financing, fracture, global health, loan, trauma

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