Thanks, Getaneh -- Your comments illustrate the kind of in-depth thinking about savings we wished for when we did the review.
On gender implications, we many studies found learning and confidence-raising due to savings groups, but generally within the confines of women's traditional spheres of action.
As for pension saving, efforts to make it available to people in the informal sector are so important -- as for example the work on "micropensions" from pinboxsolutions.com
Best regards, Beth