Women tend to have a body type that stores excess body fat in the thighs, hips, and lower abdominal area, so if this is whereyour problem, do not be too surprised. Fat in these areas also tend to be much more stub born to lose, in part due to the fac receptor cells that control the rate of lipolysis (fat metabolism) are different in this area of women, making it difficult for stored fat tobe mobilized.
While men will struggle more with the lower back fat in this case,for women, it's usually the thigh which proved most annoying when it comes to bending.

In addition to various types of receptors, the regions on a woman's body also typically experience lower levels of blood flow, further reducing the amount of fat from this area were mobilized.