This is Lilka from Wild Arms 2.

Her base prompt:

l1lk4, brown hair, yellow hairband, low-tied long hair, green eyes, sidelocks, ahoge, twintails,

Her outfit:

white thighhighs, red cape, skirt, plaid, red-beige dress, hexagram, hair ornament, jewelry, long sleeves, shoes,

Her weapon, pick one:

holding open umbrella,

holding closed umbrella,