As mentioned before much of this is in progress, this is just an initial poly paint. all input is greatly desired and appreciated, after all we are all on the trip to self improvement, thank you so much for your comments and review.
Problem I'm seeing is that a lot of forms are undefined. You don't have many solid plane changes to really give contrast. Everything also seems to follow her form too closely, such as the fabic draping off her left and right hip/thigh.
Her ribcage seems too small, and her shoulders seem a bit too narrow.
Overall I really like the outfit you chose, good idea! The problem is as Vertrucio said, the forms are very blobby and undefined. Also, the proportions seem wrong - the arms are too short and the legs seem slightly too long. The face needs a lot of work - you should study and practice more facial anatomy. Lastly, the gesture seems really awkward like she's hunched forward, rather than in a solid, relaxed pose. Hope that helps!
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Her ribcage seems too small, and her shoulders seem a bit too narrow.