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kathy the reason might be:
the character is coded like

[t:template,n:base_farmgirl]
{
  doc = "Farm girl base template";
  specializes = hero;
  [actor]
  {
    portrait_icon=b_gui_ig_i_ic_c_fg_a_01;
    is_male = false;
    race = female;
    [skills]
    {
      strength   =  0, 0, 10;
      intelligence   =   0, 0, 10;
      dexterity  =   0, 0, 10;
      Female    =  0, 0, 1;
    }
  }

[equip_limit]
	{
		race_match = female;
	}
	[gui]
	{
		equip_requirements = Female:1;

however it could also be something else and without a list of the mods you are currently using I am not really sure