<?xml version="1.0"?>
<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
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  <element id="jpcrp020400-srs_E39158-000_DisclosureOfSustainabilityRelatedFinancialInformationHeading" xbrli:periodType="duration" abstract="true" name="DisclosureOfSustainabilityRelatedFinancialInformationHeading" nillable="true" substitutionGroup="iod:identifierItem" type="xbrli:stringItemType" />
  <element id="jpcrp020400-srs_E39158-000_DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" xbrli:periodType="instant" abstract="false" name="DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020400-srs_E39158-000_GovernanceTextBlock" xbrli:periodType="instant" abstract="false" name="GovernanceTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020400-srs_E39158-000_StrategyTextBlock" xbrli:periodType="instant" abstract="false" name="StrategyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020400-srs_E39158-000_PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock" xbrli:periodType="instant" abstract="false" name="PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020400-srs_E39158-000_RiskManagementTextBlock" xbrli:periodType="instant" abstract="false" name="RiskManagementTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020400-srs_E39158-000_ReferenceToOtherInformationRiskManagement" xbrli:periodType="instant" abstract="false" name="ReferenceToOtherInformationRiskManagement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <element id="jpcrp020400-srs_E39158-000_MetricsAndTargetsTextBlock" xbrli:periodType="instant" abstract="false" name="MetricsAndTargetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020400-srs_E39158-000_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" xbrli:periodType="instant" abstract="false" name="DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020400-srs_E39158-000_DescriptionOfFactThatAnnexedConsolidatedDetailedSchedulesHaveNotBeenPreparedTextBlock" xbrli:periodType="duration" abstract="false" name="DescriptionOfFactThatAnnexedConsolidatedDetailedSchedulesHaveNotBeenPreparedTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020400-srs_E39158-000_DetailedScheduleOfCostOfSalesForTheAutomobileRelatedBPOBusinessTextBlock" xbrli:periodType="duration" abstract="false" name="DetailedScheduleOfCostOfSalesForTheAutomobileRelatedBPOBusinessTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp020400-srs_E39158-000_SuzukiTakashiMember" xbrli:periodType="duration" abstract="true" name="SuzukiTakashiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_HigashimuraDaisukeMember" xbrli:periodType="duration" abstract="true" name="HigashimuraDaisukeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_HattoriMasajiMember" xbrli:periodType="duration" abstract="true" name="HattoriMasajiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_NagayaTakeshiMember" xbrli:periodType="duration" abstract="true" name="NagayaTakeshiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_HanaiHiroshiMember" xbrli:periodType="duration" abstract="true" name="HanaiHiroshiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_YokoyamaJunichiMember" xbrli:periodType="duration" abstract="true" name="YokoyamaJunichiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_OkuraYasuhiroMember" xbrli:periodType="duration" abstract="true" name="OkuraYasuhiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_NomuraTomokaMember" xbrli:periodType="duration" abstract="true" name="NomuraTomokaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_YamadaRitsukoMember" xbrli:periodType="duration" abstract="true" name="YamadaRitsukoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_DirectorsMember" xbrli:periodType="duration" abstract="true" name="DirectorsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_CorporateAuditorsMember" xbrli:periodType="duration" abstract="true" name="CorporateAuditorsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp020400-srs_E39158-000_PurposeOfShareholdingOverviewOfBusinessAllianceQuantitativeEffectsOfShareholdingAndReasonForIncreaseInNumberOfSharesDetailsOfSpecifiedInvestmentSharesHeldForPurposesOtherThanPureInvestmentReportingCompany" xbrli:periodType="instant" abstract="false" name="PurposeOfShareholdingOverviewOfBusinessAllianceQuantitativeEffectsOfShareholdingAndReasonForIncreaseInNumberOfSharesDetailsOfSpecifiedInvestmentSharesHeldForPurposesOtherThanPureInvestmentReportingCompany" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <element id="jpcrp020400-srs_E39158-000_AccountsReceivableTradeAndContractAssetsCA" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" name="AccountsReceivableTradeAndContractAssetsCA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020400-srs_E39158-000_LeaseAseetsNetPPE" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" name="LeaseAseetsNetPPE" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020400-srs_E39158-000_AmortizationOfCustomerReletionshipOpeCF" xbrli:periodType="duration" abstract="false" name="AmortizationOfCustomerReletionshipOpeCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020400-srs_E39158-000_DecreaseIncreaseInTradeReceivablesAndContractAssetsOpeCF" xbrli:periodType="duration" abstract="false" name="DecreaseIncreaseInTradeReceivablesAndContractAssetsOpeCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020400-srs_E39158-000_IncreaseDecreaseInContractLiabilitiesOpeCF" xbrli:periodType="duration" abstract="false" name="IncreaseDecreaseInContractLiabilitiesOpeCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020400-srs_E39158-000_LoanPayablesToSubsidiariesAndAssociatedCompaniesCL" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="LoanPayablesToSubsidiariesAndAssociatedCompaniesCL" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020400-srs_E39158-000_CostOfSalesForAutomotiveBPOBusinessCOS" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="CostOfSalesForAutomotiveBPOBusinessCOS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp020400-srs_E39158-000_StructuringFeeEL" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="StructuringFeeEL" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
</schema>