Lots of islands having female dotty characters? (4)
I believe the answer is:
fiji
'lots of islands' is the definition.
(country made up of hundreds of islands)
'female dotty characters?' is the wordplay.
'female' becomes 'f' (common abbreviation).
'dotty characters?' becomes 'iji' (three letters with a dot on them).
'f'+'iji'='FIJI'
'having' is the link.
(Other definitions for fiji that I've seen before include "South Pacific country of some 840 islands" , "Pacific member of the British Commonwealth" , "Pacific island state" , "South Pacific archipelago" , "Island group in the south Pacific" .)