You're not exactly pillow shading, but the shading still needs work:
I didn't make her top nakey just for the fun of it( well, it wasn't the ONLY reason) I did it so that you could see the form underneath the clothes that still have to be dealt with even with the presence of cloth and folds. When shading, always have a light source in mind, I always put a little marker with the light direction( in this case top ) and go from there. Evil eye's face edit is very good, do use it for inspiration.
I took the time to edit this because I thought it had potential. Good job and I hope this helps :]
Also i dealt with some proportional issues, and I probably made some more as well. But note the arms, the thicknesses are odd and mismatched and the legs were awkwardly posed.