governance – Page 4 – Author Carlo Carrasco

Philippines July 2026 Inflation Still Above Government Ceiling

August 8, 2026August 6, 2026carlocarrasco

Inflation here in the Philippines for the month of July 2026 landed at 6.2% which is clearly above the government’s comfortable ceiling of 2% to 4%, according to a business news report by GMA News.

To put things in perspective, posted below is an excerpt from the GMA News business report. Some parts in boldface…

The country’s inflation rate slowed down further for the third straight month in July 2026 amid improved fuel supply conditions during the period, when the Middle East conflict was waning.

At a press briefing on Wednesday, National Statistician and Philippine Statistics Authority (PSA) chief Claire Dennis Mapa said inflation — the rate of increase in the prices of goods and services — slowed down 6.2% last month from 6.4% in June 2026.

July’s inflation print brought the year-to-date rate to 5%, still above the government’s comfortable ceiling of 2% to 4%.

Mapa said the main contributor to the downtrend was the slower increase in the Transport index at 11.9% from 12.8% month-on-month.

“Ito [Transport] ay may 57.4% share sa pagbaba ng pangkalahatang inflation sa bansa (It had a share of 57.4% to the overall deceleration of the country’s inflation),” the PSA chief said.

This as inflation for gasoline and other passenger transport by road slowed down to 34.1% from 39.2% and 5.3% from 5.4%, respectively.

Meanwhile, food inflation was steady at 5.3%, as lower meat prices and slower increases in vegetable prices offset sharper rice inflation.

“Every peso saved from slower price increases means more room for the family budget for food, transport, education and other essential needs,” Department of Economy, Planning and Development (DEPDev) Secretary Arsenio Balisacan said in a statement.

“While challenges remain, particularly in managing food price pressures, these results show that our interventions are making a difference in easing the impact on Filipino households,” Balisacan said.

The DEPDev chief the government’s UPLIFT Committee will continue implementing targeted interventions to protect vulnerable sectors from the effects of higher prices and other economic shocks.

Let me end this post by asking you readers: What is your reaction to this recent development? Do you think the government is running out of new ideas on bringing down inflation? Do you think the high inflation is a sign that the economy of the Philippines will grow weaker going into 2027? Do you think inflation will end up above 5% by the end of this year?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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Thank you for reading. If you find this article engaging, please click the like button below, share this article to others and also please consider making a donation to support my publishing. If you are looking for a copywriter to create content for your special project or business, check out my services and my portfolio. Feel free to contact me with a private message. Also please feel free to visit my Facebook page Author Carlo Carrasco and follow me on Twitter at @CarloCarrascoPH as well as on Tumblr at https://carlocarrasco.tumblr.com/ and on Instagram athttps://www.instagram.com/authorcarlocarrasco

500 Solo Parents Of Las Piñas City Receive Quarterly Aid

August 8, 2026August 4, 2026carlocarrasco

Recently in the City of Las Piñas, five hundred local solo parents received their quarterly aid amounting to P3,000 each, according to a news report by the Manila Bulletin. Mayor April Aguilar led the distribution.

To put things in perspective, posted below is an excerpt from the Manila Bulletin news report. Some parts in boldface…

Las Piñas City has given ₱3,000 in quarterly aid to 500 solo parents, part of its program to ease the financial strain of raising families alone.

Mayor April Aguilar led the distribution at the Aguilar Sports Complex, with each beneficiary receiving the subsidy equivalent to ₱1,000 per month, released every quarter.

Aguilar said the assistance is meant to help solo parents cover daily needs such as food, education, transportation, and household expenses.

She noted that single parents carry the full responsibility of raising children, making government support vital to improving their quality of life.

Beneficiaries thanked the city government, saying the quarterly aid will help them manage household costs and provide added support for their children.

Let me end this piece by asking you readers: If you are a resident of Las Piñas City, what is your reaction to this development? How many members of your local community are solo parents who are qualified to receive quarterly aid?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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For more South Metro Manila community news and developments, come back here soon. Also say NO to fake news, NO to irresponsible journalism, NO to misinformation, NO to plagiarists, NO to reckless publishers and NO to sinister propaganda when it comes to news and developments. For South Metro Manila community developments, member engagement, commerce and other relevant updates, join the growing South Metro Manila Facebook group at https://www.facebook.com/groups/342183059992673

Swiss Challenge For Cerberus’ Subic Bay International Airport Proposal Launched

August 8, 2026August 3, 2026carlocarrasco

The Subic Bay Metropolitan Authority (SBMA) has officially launched the Swiss challenge for the P7 billion proposal for the upgrading and management of the Subic Bay International Airport (SBIA) and this opened the field for entities to submit their proposals challenging the existing proposal of Cerberus Asia Pacific Investments LLC, according to a Manila Bulletin news report.

For previous blog posts about the SBIA project, click here, here and here.

To put things in perspective, posted below is an excerpt from the report of the Manila Bulletin. Some parts in boldface…

The Subic Bay Metropolitan Authority (SBMA) has formally started the Swiss challenge for the ₱7-billion proposal to manage and upgrade the Subic Bay International Airport (SBIA), as it issued a call to potential challengers to submit competing offers.

In a bid bulletin dated July 31, the SBMA invited firms to submit their comparative proposals for the project proposed by United States (US)-based Cerberus Asia Pacific Investments LLC.

SBMA said interested firms have until Oct. 29 to submit their proposals, with the bid opening scheduled to take place on the same day. A pre-bid conference to clarify the requirements and address queries from participating firms is set for Sept. 14.

Under a Swiss challenge, also known as a comparative challenge, the SBMA is allowing other companies to match the unsolicited proposal for the SBIA submitted by Cerberus, which was approved in April last year.

Cerberus has been granted original proponent (OP) status by the SBMA for its unsolicited proposal to upgrade, expand, operate, and maintain the SBIA. As the OP, Cerberus will have the right to match the best offer during the challenge process.

Cerberus is seeking to manage the SBIA under a 25-year operate-rehabilitate-add-transfer scheme to develop the gateway into a strategic cargo and logistics hub that would help ease congestion at Ninoy Aquino International Airport (NAIA).

“Currently underutilized, SBIA requires substantial investment and comprehensive operational improvements to realize its full potential over the concession period,” SBMA said.

Cerberus is planning to invest ₱7 billion to develop the project, nearly 13 percent higher than the initial project cost pegged at around ₱6.2 billion.

The investment will focus on upgrading existing airport facilities to align them with international benchmarks, alongside the development of new facilities to transform the airport into a higher-capacity logistics hub.

SBMA noted that the airport’s location and air-to-sea access pose a significant opportunity to develop it into a hub for commercial cargo and warehousing.

“This highlights a growing demand for air cargo services, driven by the need for industrial supplies and the transportation of finished products,” it said.

In addition, SBMA noted that the ongoing development of the Luzon Economic Corridor (LEC) further increases the need for improved air connectivity.

The LEC is an initiative led by the Philippines, the US, and Japan aimed at accelerating high-impact investments to enhance connectivity between Subic Bay, Clark, Manila, and Batangas.

“All these factors lead to the conclusion that the manufacturing industry in the Philippines, and particularly Central Luzon, is highly likely to significantly grow in the upcoming decade, both in terms of size of current facilities, and additional factories,” SBMA said.

“This leads to demand for air cargo in terms of industrial supplies, as well as output products, and attracts population growth and consumer wealth, leading to consumption increase and related air cargo demand,” it added.

By developing the SBIA, SBMA said it is ensuring that Clark International Airport will not be the only alternative once NAIA reaches its cargo capacity limit in the future.

The agency said an upgraded SBIA can ensure competitive pricing and provide additional options for airlines operating or planning to set up shop in Manila.

With this, Subic Bay is expected to help accommodate an additional 200,000 tons of cargo by 2035.

Let me end this post by asking you readers: What is your reaction to this recent development? Do you think there will be a lot of corporations locally and overseas that will submit their Subic Bay International Airport proposals to the SBMA? When was the last time you arrived at the international airport in the Subic Bay Freeport Zone?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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Thank you for reading. If you find this article engaging, please click the like button below, share this article to others and also please consider making a donation to support my publishing. If you are looking for a copywriter to create content for your special project or business, check out my services and my portfolio. Feel free to contact me with a private message. Also please feel free to visit my Facebook page Author Carlo Carrasco and follow me on Twitter at @CarloCarrascoPH as well as on Tumblr at https://carlocarrasco.tumblr.com/ and on Instagram athttps://www.instagram.com/authorcarlocarrasco

Filipino Housekeeping Services In Japan Gaining Popularity

August 7, 2026August 3, 2026carlocarrasco

In Japan, housekeeping services whose workforce involved Filipinos are gaining popularity and public trust as the nation has growing demand for such support, according to a news report by Kyodo News. The report mentioned the cheerful personalities and diligence of Filipino workers.

To put things in perspective, posted below is an excerpt from the report of Kyodo News. Some parts in boldface…

Housekeeping services employing Filipino staff have gained in popularity amid growing demand in Japan for such domestic support, with one provider seeing their workforce roughly double over the past decade.

Since the Japanese government began allowing foreign nationals to provide housekeeping services in national strategic special zones in 2016, workers from the Philippines have been a top choice due to their cheerful personalities, diligence as well as expertise.

In February, a Filipino housekeeping staff member listened carefully to her client’s instructions as she made her on-site debut around a month after arriving in Japan. She assiduously took notes as the client explained in a mix of English and Japanese how to use cleaning tools and the order of detergents.

“(Filipinos) are friendly and easy to talk to and they work seriously, so I can feel at ease,” the client said.

Before 2015, only certain households, such as those of foreign diplomats, had been allowed to employ foreign housekeepers. But a legal change that year, aimed at increasing women’s workforce participation and easing labor shortages in Japan’s housekeeping industry, paved the way for foreigners to work in designated areas.

Following the law revision, Tokyo-based Pinay International Co. launched a business especially employing Filipino housekeepers. It now operates in parts of Tokyo, neighboring Kanagawa Prefecture, Osaka Prefecture and Hyogo Prefecture with more than 200 Filipino staff working as full-time employees.

The company recruits workers in the Philippines and provides extensive training before and after their arrival in Japan, while also supporting their daily life in areas such as housing.

“Foreign talent playing an active role will likely lead to revitalizing Japan,” Pinay International CEO Tetsuya Moteki, 55, said.

According to a survey by the Ministry of Economy, Trade and Industry, Japan’s housekeeping services market has been expanding as the number of dual-income households increases.

Let me end this piece by asking you readers: What is your reaction to this development? Do you think more Japanese households will trust housekeeping service providers once they realize their workforce includes Filipinos? What do you think makes Filipino housekeeping workers more trustworthy compared with those from other nations of Southeast Asia?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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LTO Says Local Government Units Have No Legal No Basis To Confiscate Drivers’ Licenses

August 6, 2026August 3, 2026carlocarrasco

Did a local government unit (LGU) outside of Metro Manila confiscate your driver’s license because you committed a traffic violation within their jurisdiction? The Land Transportation Office (LTO) clarified publicly that all LGUs have no legal basis to confiscate the licenses of drivers who committed traffic violations, according to a news report by GMA News.

To put things in perspective, posted below is an excerpt from the GMA News report. Some parts in boldface…

The Land Transportation Office on Thursday said local government units have no legal basis to confiscate the drivers’ licenses of traffic violators.

“The LTO wishes to clarify to the public that it is currently implementing Department of Transportation (DOTr) Memorandum Circular No. 001-2026, which sets the policy regarding the non-confiscation of driver’s licenses during apprehension,” the agency said in a statement on its official Facebook page.

“Bilang pagsunod sa kautusan, pansamantalang hindi kinukumpiska ng mga law enforcement officers na may deputasyon mula sa LTO ang driver’s license ng mga motoristang lumalabag sa batas-trapiko,” it added.

(In compliance with the directive, law enforcement officers deputized by the LTO are temporarily not confiscating the driver’s licenses of motorists who violate traffic laws.)

The LTO said it seeks to clarify that existing Supreme Court jurisprudence does not grant traffic enforcement officers the general authority to confiscate motorists’ driver’s licenses.

The agency issued the statement after the City of Bacoor in Cavite on Wednesday issued a, “Clarification on Traffic Enforcement in Bacoor,” on social media.

“The City Government of Bacoor reminds the public that, pursuant to City Ordinance No. 11‑2019, Section 23 of the Revised Traffic Code, our traffic enforcers are duly authorized to confiscate driver’s licenses of motorists who violate traffic laws within the city,” the city announced on Facebook.

The Bacoor LGU said that “the recent Supreme Court ruling applies only to Metro Manila LGUs under the MMDA. Bacoor, being outside Metro Manila, continues to exercise its authority under the Local Government Code and its duly enacted ordinances.”

To which the LTO countered: “Existing administrative issuances from the (Department of Transportation) and the Department of the Interior and Local Government—including Joint Memorandum Circular No. 01, Series of 2008, issued by the former DOTC and DILG—acknowledge that traffic enforcers from local government units (LGUs) may issue citation tickets but lack the legal basis to confiscate motorists’ driver’s licenses.”

Let me end this post by asking you readers: What is your reaction to this recent development? Is the clarification by the LTO clear and transparent enough? When was the last time a local government confiscated your license because you committed a traffic violation?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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Japan Sees Urgent Need To Prepare Itself For New Ways Of Warfare

August 5, 2026August 4, 2026carlocarrasco

In this age of artificial intelligence (AI), the rising use of drones in military operations and Communist China’s disturbing presence at sea, the Defense Ministry of Japan sees the urgent need to prepare the nation for the new ways of warfare, according to a news article by Jiji Press.

To put things in perspective, posted below is an excerpt from the news article of Jiji Press. Some parts in boldface…

Japan’s Defense Ministry emphasized the urgent need to prepare for what it calls new ways of warfare leveraging drones and artificial intelligence technology in an annual white paper adopted Tuesday.

The 2026 report, submitted by Defense Minister Shinjiro Koizumi to the day’s cabinet meeting, also displayed vigilance over the Chinese military’s expanding activities in the Pacific, saying Japan should respond with its “comprehensive national power.”

The white paper said that large-scale attacks combining low-cost unmanned equipment and conventional missiles have been conducted on the battlefields of Ukraine fighting Russia’s aggression.

Acknowledging that preparing for prolonged conflicts has become a key issue, the government stressed the importance of securing adequate stockpiles and ensuring sustained operational capability.

Let me end this piece by asking you readers: What is your reaction to this development? Do you support the idea of Japan tremendously modernizing itself militarily to defend itself while pushing back against Communist China’s military presence at sea? Would you like to see Japan become more sophisticated in the new ways of warfare using whatever state-of-the-art technologies it has? Do you think Japan should approach the United States for more advanced military hardware?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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Japan Immigration Agency Proposes Tougher Requirements And New Pension Rules For Permanent Residency

August 5, 2026August 4, 2026carlocarrasco

In the latest development on reforming immigration in Japan, the nation’s immigration agency proposed tougher requirements and new pension rules for granting permanent residency to foreigners, according to a news report by Kyodo News.

To put things in perspective, posted below is an excerpt from the report of Kyodo News. Some parts in boldface…

Japan’s immigration agency on Tuesday proposed tougher requirements for granting permanent residency to foreigners, including requiring applicants to maintain income above the average for Japanese households and a certain level of projected pension benefits.

The proposed guidelines are part of Prime Minister Sanae Takaichi’s push to create an “orderly society” in which Japanese and foreign nationals coexist while cracking down on illegal activities.

The Immigration Services Agency will solicit public comments before implementing the new rules from April 2027.

Permanent residents can remain in Japan indefinitely without restrictions on their activities while retaining their original nationality. Applicants generally must have lived in Japan for at least 10 years to qualify.

It differs from naturalization, through which a person acquires Japanese citizenship.

Under the current guidelines, the three main requirements for obtaining permanent residency are good conduct, sufficient assets or skills to maintain an independent livelihood, and that granting permanent residency is in Japan’s best interests.

The revised rule would require applicants to maintain annual household income above the average for Japanese households, with the benchmark based on several government data sources.

According to a health ministry survey on living conditions released on July 15, for instance, average income per household in Japan stood at 5.75 million yen ($36,500) in 2024.

Applicants would also be required to have projected pension benefits equivalent to those payable after 30 years of enrollment in the employees’ pension program at their income level.

If the projected pension benefits fall short, they will be allowed to cover the difference with their financial assets.

The revised guidelines would also introduce a Japanese-language requirement, with applicants required to demonstrate proficiency at the level of an “independent user.”

While the population of Japanese nationals has been on a downtrend, the number of foreign residents has been increasing as Japan has been accepting more workers from abroad.

As of the end of last year, about 947,000 people held permanent residency status, with many from China and the Philippines.

Permanent residency is currently granted to a spouse of a Japanese national or a permanent residency holder when their marriage has lasted for at least three years, and the non-Japanese spouse has resided in Japan for at least one year.

The proposal would raise the thresholds to five years of marriage and three years of residence.

Let me end this piece by asking you readers: What is your reaction to this development? Do you think the proposed tougher requirements and new pension rules make a lot of sense when it comes to the granting of permanent residency to foreigners there in Japan? Do you think the proposals will discourage foreigners from Third World nations like Pakistan, Somalia and Bangladesh from seeking permanent residency in Japan? Do you think the current government of Japan is doing good enough to reform immigration? Do you think that foreigners in Japan who applied for permanent residency and committed a local crime or an act of violence should automatically be disqualified by the government?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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Student Dies After Getting Stabbed By Classmate In Las Piñas City

August 4, 2026August 4, 2026carlocarrasco

Recently in the City of Las Piñas, a Grade 9 student died after getting stabbed by a classmate (aged 14) following a verbal altercation between them, according to a news report by Malaya Business Insight.

To put things in perspective, posted below is an excerpt from the Malaya Business Insight news report. Some parts in boldface…

A Grade 9 student at the Las Piñas National High School died after being stabbed by his 14-year-old classmate.

A report from the Southern Police District said the stabbing incident occurred on the fourth floor of the school following a verbal altercation between the victim and the suspect.

Las Pinas City Police Chief Col. Fermin Armendarez III said following the altercation, the suspect pulled put a knife and stabbed the victim.

The victim was brought to the Las Pinas District Hospital for treatment, but he was pronounced dead by attending physicians at 4:53pm.

Armendarez said the suspect was taken into custody after the custody while the investigation is continuing.

In a statement, the school expressed sadness over the incident and said it is fully cooperating with the police in the investigation.

Let me end this piece by asking you readers: If you are a resident of Las Piñas City, what is your reaction to this development? Does this tragedy make you feel more concerned about the safety of students nowadays? How do you think the suspect brought a deadly weapon into school?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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Joint Yen-Buying By Japan And America Confirmed

August 4, 2026August 3, 2026carlocarrasco

For the first time in fifteen years, Japan and the United States conducted a joint buying of Yen following the Japanese currency’s continued weakness to the U.S. Dollar which Finance Minister Satsuki Katayama confirmed yesterday, according to a Kyodo News report. The Yen fell to almost 164 to the U.S. Dollar on July 23.

To put things in perspective, posted below is an excerpt from the report of Kyodo News. Some parts in boldface…

Japan and the United States conducted coordinated yen buying Friday, Finance Minister Satsuki Katayama said, their first joint market intervention in 15 years, with the two nations ready to act again if necessary.

The intervention during New York trading on Friday came after the yen hit 163.99 to the U.S. dollar on July 23, its weakest level in around 40 years, amid mounting fears about Prime Minister Sanae Takaichi’s expansionary but vaguely funded fiscal policy.

“This joint action was taken pursuant to the U.S.-Japan Finance Ministers’ Joint Statement issued in September 2025 and countered the excessive volatility and disorderly movements of the Japanese yen in recent months,” Katayama said in a statement on Monday.

“The Japanese Ministry of Finance remains attentive and in close communication with our counterparts at the U.S. Treasury. We will not hesitate to conduct a further joint intervention,” she added.

After warnings by Katayama and U.S. Treasury Secretary Scott Bessent of additional action to prevent the Japanese currency from depreciating, the yen briefly surged to the lower 155 level from the upper 157 range on Monday morning.

While joint currency interventions by the countries are usually reserved for emergencies, Japan has been struggling with the yen’s depreciation, which has increased import costs, threatening to accelerate inflation and jack up yields on long-term Japanese government bonds.

Washington is also believed to be wary of rising long-term Japanese interest rates pushing up U.S. rates before the congressional midterm elections in the fall, analysts said.

The previous Japan-U.S. intervention was carried out to stem the yen’s rise after the massive earthquake and tsunami in northeastern Japan in March 2011.

Katayama told reporters in Tokyo that Friday’s coordination between Japan and the United States was aimed at linking Tokyo’s “economic security to its unwavering alliance” with Washington.

She stressed the countries’ “close coordination” since the release of their joint statement last September, which confirmed interventions should be reserved for combating excessive volatility as well as “disorderly depreciation or appreciation.”

Japanese and U.S. authorities have pledged to take decisive action “against disorderly moves at any time,” Katayama said.

Atsushi Mimura, Japan’s top currency diplomat, called the latest coordinated intervention a “completed form” of the Japan-U.S. currency alliance, emphasizing the two countries would continue to respond “without missing a beat.”

Saying Japan “wanted a little bit of help,” President Donald Trump indicated Sunday in the United States that Washington had conducted a yen-buying intervention at the request of Takaichi’s government. He told reporters the action would benefit his nation economically.

He added, “We’re always there for Japan. Japan’s been very good to us, with the exception, of course, of Pearl Harbor,” referring to Japan’s 1941 surprise aerial attack on a naval base in Hawaii that resulted in the U.S. entry into World War II.

In New York on Friday, the yen surged to the lower 157 level against the dollar, with Japanese government sources confirming a yen-buying intervention by currency authorities.

The move came after the yen briefly soared to the 157 range Thursday, gaining nearly 5 yen in about 50 minutes before dropping back to the 160 level, as a result of a currency intervention by Japan later confirmed by market and government sources.

On Sunday, Bessent wrote on social media that the intervention “countered disorderly yen movements,” adding the United States would “not hesitate” to conduct further joint currency intervention with Japan, echoing Katayama.

He also said, “We strongly support Japan’s decisive market and monetary steps to correct the substantial undervaluation of the yen.”

Let me end this piece by asking you readers: What is your reaction to this development? What do you think the joint buying of Yen by the US and Japan will lead to further stabilization economically in the short term? Do you think this joint move will somehow boost both nation’s economies?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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Number Of Japanese Nationals Falls Below 120 Million

August 3, 2026August 3, 2026carlocarrasco

The population of Japanese nationals has officially declined to less than one hundred twenty million which is the lowest figure in more than forty years, according to a news report by Kyodo News. Meanwhile, the number of foreign residents has surpassed four million.

To put things in perspective, posted below is an excerpt from the report of Kyodo News. Some parts in boldface…

The number of Japanese nationals fell below 120 million for the first time in 42 years to 119,736,483 at the start of this year, the government said Wednesday, underscoring the challenges faced by a nation battling declining birth rates.

The figure as of Jan. 1 showed a drop of 917,000 people from a year earlier, the largest fall since comparable data became available in 1968, according to data from the Ministry of Internal Affairs and Communications.

The number of foreign residents, meanwhile, rose 354,000 to a record 4,031,159. The ministry began compiling relevant data in 2013.

Despite government efforts to reverse the declining birth trend, the country recorded around 670,000 births, a record low, compared with around 1.59 million deaths.

Of Japan’s 47 prefectures, Tokyo was the only one that reported an increase in the number of Japanese nationals, up 0.09 percent.

Faced with labor shortages, Japan has been gradually opening its doors to foreign workers. The number of foreign residents rose for the fourth consecutive year as more people came to Japan in search of job opportunities.

The share of working-age people among foreign residents rose to 86.17 percent.

The prefecture with the largest increase in the number of foreign residents was Hokkaido, at 14.89 percent, followed by Okinawa at 14.36 percent and Oita at 13.90 percent.

Let me end this piece by asking you readers: What is your reaction to this development? What do you think the Japanese government should do to stop the decline of the Japanese population while limiting the growth of foreign residents? Should Japan implement a ban on Islamic immigration as well as a travel ban on nations like Pakistan and Bangladesh?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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