I created a skinned animation, but I have no idea how to make use physic simulation and skinning for the cloth at the same time. When I use skinning, physics doesn't work, when I use physics, animations make cloth drops. Here is the link to the blender file
For the cloth I recommend using the cloth simulation instead of rigging it.
The problem you might have encountered when trying cloth simulation ("cloth drops") is the wrong order in which two modifiers are: For the human body the collision modifier comes before the armature modifier. This is a problem because the movement and also the location of the objects collision isn't affected by the rig.
Here is how to fix it: