Based on the photo, this appears to be a localized area of skin laxity and wrinkling above the belly button. At your height and weight (4'11", 109 lbs), this does not appear to be primarily an issue of excess body weight. The procedure that would most directly address true loose/excess abdominal skin is an abdominoplasty (tummy tuck). Depending on the amount and location of the excess skin, a mini-abdominoplasty may be an option, although a full abdominoplasty may be more appropriate if there is laxity extending above the belly button or separation of the abdominal muscles. Non-surgical treatments such as radiofrequency skin tightening, ultrasound-based tightening, or RF microneedling can sometimes provide a modest improvement in skin firmness and texture, but they generally cannot remove significant excess skin. The result also depends on how much elasticity remains in the skin. One other consideration is whether there is any abdominal muscle separation (diastasis recti) or a small hernia, particularly if the area becomes more prominent when you sit up, cough, or tighten your abdominal muscles. That cannot be determined reliably from a photograph alone. Given the localized appearance in the photo, I would think about skin-tightening versus surgical skin removal, with an assessment of the abdominal wall to determine which approach would address the underlying issue most effectively.