No offense taken. Its a common fact that most women don't lift weights (by weights I mean more than the light pink ones) on a regular basis. We do lots of cardio/aerobic exercises. Its very rare to see a woman in the free weight room.
While, yes it also internal. Diet also plays a role. What about bodyfat percentage? A woman can be a petite weight and still carry 25-30% of fat. As 23 Psalm stated below breaking up the fatty tissue with idoine, lechitin, maybe even coconut oil will help.