西南女学院 ＝ “Seinan Jo Gakuin” – the Japanese name of the school. Literally means, “Southwestern Girls School.” It was started as a mission school for girls in 1922. The lady in the photo was Carrie Hooker Chiles Rowe. The caption evidently was supposed to read “Mrs. J. H. Rowe” – Mrs. John Hansford Rowe. She served as the 院長, or principal, off and on from the founding in 1922 until her retirement in 1935. The group photo was from the opening day of the school in April 1922.  Information provided by SBC missionary Russ Borg in Aug 2020.