Making health insurance responsive to citizens: the management of members' complaints by mutual health organisations in Kinshasa, Democratic Republic of Congo.

3 33 Respondents’ perception of 'trend in new enrolments’ was considered as an independent variable, since studies have shown that a positive trend in membership provides members with more confidence, thereby encouraging more households to join, and is used by MHOs as an argument for membership retention. 37 38 For the analysis, we performed an overall univariate analysis for the entire database without distinguishing the MHOs to which respondents belonged because of small numbers of observations in the dependent variables.

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