Hmm... PL expressed most of my thoughts, lol.
Anyway
I like this drawing. The proportions, the colors, the pose: everything`s OK.
But I`d like to complain a bit (I`m sorry if I`m too nagging)
These... too smooth, undefined lines don`t actually look good on the character. It`s OK for the background, but this lady is on the first plan and therefore should be more clear and detailed. The scarf, btw, looks different from other clothes. The lines are different, not so sharp (especially that `s`-like part), the coloring is a bit different. I do understand that it is supposed to be made of another fabric, but anyway, it might be better if all of the clothes had more or less same style. Also, I would detail the hair, hands and these... grey things a bit more. (btw, what does she hold in her left hand and what are these grey things?) It looks like you use just two colors for every element of the drawing. This may be not a bad thing, but I would recommend trying to work with reflections, with different lightning, with more colors and so on.