Hey A.-
It sounds as though you may have some other "issues" than her just not crawling or walking. Her not walking is fine. My daughter actually did not walk until she was about 15 months old...perfectly normal. I want to say that she started crawling about 11 months..and cruising around furniture about 12 months. I know its hard as a parent to accept the fact that "she is not there yet"...but it's OK. She will pick it up quickly. To be honest, My daughter didn't walk at 15 months, she RAN!! It was like she was walking for months!
However, her on your hip is not the best thing in the world. Her wanting to be held and carried is not going to help her walk. You need to put her down. I started my daughter in a playpen..that's how she started to pull herself up. Throw a couple of toys in it...not TOO many because you want to leave room for walking (the whole purpose). I had a hard time because grandma would constantly have her on her hip...it made me very upset. I told my mom to leave her down..she was not helping her. So what if she cries (may sound mean), she will get over it. Your know your child is not in any physical pain, she just wants her way. Her crying is showing frustration...perfectly normal--JUST DON'T GIVE IN!!
Another great tool would be having her around kids her own age. I know you said that you were a stay at home mom. Not sure if you do anything with other younger children or moms, but maybe her being with her own age, she will pick up the kids walking. Believe me, there is such a thing as PEER PREASURE even at that very young impressionable age!! I see it with my daughter pottying now!!
Hope this help...