I have done this for crib quilts. I first make the ruffle, then use narrow fold binding, open one edge and sew to front of ruffle, right sides together. When that is attached, turn the ruffle until the back of the ruffle is toward you. Use a second length of narrow fold binding and repeat the above directions to the back of the ruffle. Next step: With right side of quilt facing you, open the other side of the top portion binding. Machine stitch to the quilt, right sides together. When ruffle and binding stip are completely attached, turn quilt with back facing you. I then press the binding on the back side a little so it is easier to work with (do not open the fold), baste or pin the binding to the back and hand stitch in place. A little bit more work but a better finish than some of the other methods.