I have 2 male cats that are brothers, one has always loved to be held. The other one was not too keen, he would jump out pretty quickly. After a while I realized that it wasn't that he didn't want to be held, he wanted things to be on his terms. Cats are very independent animals, and some want to feel they are in control. So I stopped trying to hold him and would just pet him when he would sit with me on the couch. Eventually he would start laying on my lap when I would pet him. Then after a while he started to stand on my lap and climb my chest, putting himself in the "hold me" position. So I started holding him, but still noticed a little hesitation. There are two things you can try. The first thing is to take one of your hands and place it under her, allowing her back paws to rest on your hand. Allow your hand to basically be a support, which gives her steady footing and helps to make her feel more secure (the same thing suggested for holding rabbits). The second thing is to make sure you give her an out when she has had enough. Be mindful to her body language. When my cat wants to be held it's obvious because he lays his head into my shoulder and relaxes his body. When he has had enough, he turns his head away from me. As soon as he turns his head away I say "you want to get down" and I gently place him down. When you do this, you are showing her that you respect her decisions, and you will not hold her against his will. Also don't try to hold her on her back, many people are tempted to do this because it's cute to hold a kitten like a baby but they just don't like it. I'm sure she would enjoy cuddling with you, but it's got to be her idea.