If you aren't mature enough to talk to her about what you are thinking about regarding sex, you aren't mature enough for a sexual relationship with her.
Talk to her and ask her what her hesitations are.
How old is she?
She might not just be ready, don't push her into it.
(Don't pull the "I'll break up with you unless you have sex with me" crap that some guys have been known to do. Sex out of guilt isn't good sex, or she could just walk on you completely.
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Free your heart from hatred. Free your mind from worries. Live simply. Give more. Expect less.
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