Does the Navajo term bilaganna only apply to white men or does it include white women?

Bilaganna refers to the white race, men and women. It is equivelent to how the term "Anglo" is used in the American Southwest by all English speakers. If you are white but from Mexico you are Naakai

In the Navajo tradition of introducing oneself, the name and clan of the speaker are given, then the name and clan of the mother are given, then the name and clan of the father, then the name and clan of the maternal grandmother and the name and clan of the maternal grandfather. For a white man or woman introducing themselves in the Navajo way, the clan names are all "bilaganna" since whites do not have a clan-structured ancestry. The Navajo are a matriarchal society with inheritance passing through the female lineage, hence the importance of the mother's and grandmother's information being given deferential placement in the introduction.