<?xml version="1.0"?>
<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
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  <annotation>
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  <element id="jpcrp030000-asr_E03374-000_HideoSugimotoMember" xbrli:periodType="duration" abstract="true" name="HideoSugimotoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03374-000_TakafumiAkutsuMember" xbrli:periodType="duration" abstract="true" name="TakafumiAkutsuMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03374-000_FumiyasuInayoshiMember" xbrli:periodType="duration" abstract="true" name="FumiyasuInayoshiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03374-000_AtsushiYamashitaMember" xbrli:periodType="duration" abstract="true" name="AtsushiYamashitaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03374-000_HiroshiHatanakaMember" xbrli:periodType="duration" abstract="true" name="HiroshiHatanakaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03374-000_TomohisaMamiyaMember" xbrli:periodType="duration" abstract="true" name="TomohisaMamiyaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03374-000_KayokoSatoMember" xbrli:periodType="duration" abstract="true" name="KayokoSatoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03374-000_TakaoKurokawaMember" xbrli:periodType="duration" abstract="true" name="TakaoKurokawaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03374-000_CancellationFeeIncomeNOI" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="CancellationFeeIncomeNOI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03374-000_RevenueFromBusinessWithdrawalInvCF" xbrli:periodType="duration" abstract="false" name="RevenueFromBusinessWithdrawalInvCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03374-000_CollectionOfLoansReceivableFromSubsidiariesAndAssociatesInvCF" xbrli:periodType="duration" abstract="false" name="CollectionOfLoansReceivableFromSubsidiariesAndAssociatesInvCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03374-000_AdditionalPurchaseOfInvestmentsInConsolidatedSubsidiariesFinCF" xbrli:periodType="duration" abstract="false" name="AdditionalPurchaseOfInvestmentsInConsolidatedSubsidiariesFinCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03374-000_IncreaseInCashAndCashEquivalentsResultingFromMergerOfSubsidiariesWithUnconsolidatedSubsidiariesCF" xbrli:periodType="duration" abstract="false" name="IncreaseInCashAndCashEquivalentsResultingFromMergerOfSubsidiariesWithUnconsolidatedSubsidiariesCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03374-000_AmortizationExpenseOfGoodwillSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="AmortizationExpenseOfGoodwillSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03374-000_DepositsPaidForSales" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" name="DepositsPaidForSales" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03374-000_LeaseAndGuaranteeDepositsNCL" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="LeaseAndGuaranteeDepositsNCL" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03374-000_ProvisionForLossOnSubsidiariesAndAffiliatesNCL" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="ProvisionForLossOnSubsidiariesAndAffiliatesNCL" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03374-000_SionForLossOnBusinessOfSubsidiariesAndAffiliatesEL" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="SionForLossOnBusinessOfSubsidiariesAndAffiliatesEL" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03374-000_NotesRegardingDepositOfSalesTextBlock" xbrli:periodType="instant" abstract="false" name="NotesRegardingDepositOfSalesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03374-000_PayrollsAndAllowancesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="PayrollsAndAllowancesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
</schema>