While 82 percent of men in Trinidad and Tobago have an account, only 70 percent of women do. In Haiti, 23 percent of men have an account while 21 percent of women do.
This in turn means that, if there is a perception that New Zealand is in a difficult period, for whatever reason, the New Zealand dollar tends to fall in value (and vice versa). This tends to offset some of the impact of a weaker international environment.