naked version plz

First things first. Focus on Figure drawing. Gesture drawing, Anatomy, and drawing the body in perspective(foreshortening) That will make what you have here look way better.

I really admire the color choices here. The water and sky contrasts with her skin, bathing suit, and hair.

Once you feel satisfied with your figure drawing. I'd recommend some lighting practice. I see a few lighting phenomanon that you've applied in this piece which shows you are aware of them. That's good. But it behave oddly, or is miscolored. Such as the relfected light off of the water.