Okinawa Agricultural Cooperative

What Okinawa Agricultural Cooperative does

Okinawa Agricultural Cooperative (JA Okinawa / ＪＡおきなわ) is a member-owned regional agricultural cooperative headquartered in Naha, Okinawa Prefecture, Japan, formed through the merger of predecessor local cooperatives around 2002. It serves two interlocking customer bases: agricultural producers (JA member farmers engaged in vegetables, fruits, rice, flowers, livestock, and processed goods across Okinawa) and local residents / cooperative members seeking comprehensive lifestyle services. The cooperative's core agricultural business encompasses technical guidance for production, supply of agricultural inputs and materials, aggregation and sale of member produce, processing through five sugar factories, and direct retail through ten Farmers Markets across the prefecture.

The organization operates as a multi-line financial-and-lifestyle cooperative rather than a single-purpose entity. Banking services run through the JA Bank system (savings, agricultural, housing, personal, and auto loans; ATMs across the prefecture), and mutual aid insurance through JA Kyosai covers life, property, and automobile. Non-financial lifestyle lines include A-Coop supermarket retail, 38 JA-SS fuel stations, LP gas supply, three funeral service centers, three care/welfare centers, real estate brokerage, and a stone (memorial) center. Underlying technology is an integrated cooperative management system spanning branches, ATMs, and specialized centers; no proprietary AI/ML or platform-software product is offered commercially.

Revenue mechanics are diversified and largely transactional: commission on agricultural sales (produce aggregation at Farmers Markets and direct channels), interest and fee spread on banking deposits/loans, recurring insurance premiums, merchandise margins at A-Coop and JA-SS, service fees from funeral, gas, real estate, and care operations, and transaction fees on agricultural input/material sales. Distribution is entirely physical-led through the 41-branch network spanning Okinawa's main island, Miyako Islands, and Yaeyama Islands, supplemented by JA Town e-commerce and regional marketing channels (Ajimaa community magazine, Instagram, YouTube) to push specialty products beyond the prefecture.

Name

Okinawa Agricultural Cooperative

Legal name

Okinawa Agricultural Cooperative (ＪＡおきなわ / 沖縄県農業協同組合)

Website

https://ja-okinawa.or.jp

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Okinawa Agricultural Cooperative (JA Okinawa) is a member-owned regional agricultural cooperative in Okinawa Prefecture, Japan, providing integrated agricultural production support, banking (JA Bank), mutual aid insurance (JA Kyosai), retail (A-Coop), fuel (JA-SS), funeral, care, and real estate services to local farmers and resident members through a 41-branch network.

Ownership category

akta.pro rank

Product category

Agricultural Cooperative Services

NAICS

Other Farm Product Raw Material Merchant Wholesalers (424590), Farm Product Warehousing and Storage (493130), Hog and Pig Farming (112210)

SIC

Wholesale-Farm Product Raw Materials (5150)

akta.pro primary industry

Farmer Cooperatives & Co-op Retail (AFABAJAB)

akta.pro secondary industries

Agrochemical & Fertilizer Wholesale Distribution (AFABAJAC), Livestock & Pasture Supply Retail (Feed Supplements, Animal Health Inputs) (AFABAJAJ), Farm Hardware, Parts & Consumables Retail (Tools, PPE, Repair) (AFABAJAM)

Keywords

• Agricultural cooperative services
• Banking and insurance
• Retail grocery stores
• Agricultural products sales
• Funeral and welfare services

Headquarters

HQ city

Naha

HQ country

Japan

HQ region

Asia

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Agricultural Sales and Distribution: Sale of agricultural products including vegetables, fruits, rice, flowers, livestock, and processed goods through Farmers Markets and direct sales channels. Revenue from member farmers' product sales commissions.
2. Banking and Financial Services: JA Bank services including savings deposits, loans (agricultural, housing, personal, auto), and investment products. Revenue from interest spreads and service fees.
3. Insurance and Mutual Aid: JA Kyosai provides life, property, and automobile insurance on mutual aid basis. Revenue from insurance premiums.
4. Retail - A-Coop Stores: Supermarket and daily goods retail through A-Coop branded stores. Revenue from merchandise sales.
5. Funeral Services: JA葬祭 provides funeral and memorial services through dedicated centers. Revenue from service fees.
6. LP Gas Distribution: LP gas supply and installation services through regional centers. Revenue from gas sales and service fees.
7. Real Estate Services: JA Okinawa Real Estate handles property sales, rentals, and asset/inheritance consultation services.
8. Agricultural Inputs and Materials: Sale of agricultural production materials, feed, and supplies through dedicated agricultural supply centers.

Go-to-market motion2 records

Distribution channels9 records

Marketing channels8 records

Core offering

JA Okinawa is a member-owned agricultural cooperative that provides integrated services to farmers and residents of Okinawa Prefecture, including agricultural guidance, produce marketing through Farmers Markets, banking (JA Bank), mutual aid insurance (JA Kyosai), retail through A-Coop stores, funeral services, LP gas supply, eldercare, real estate brokerage, and stone monument sales. The cooperative operates 41 branches, 10 Farmers Markets, 38 gas stations, and multiple A-Coop retail and funeral centers across the main island and remote islands.

Product overview

JAおきなわ (Okinawa Agricultural Cooperative) operates as a comprehensive regional cooperative offering a diverse portfolio of services organized into four main divisions: Agricultural Business (営農指導事業, 購買事業, 販売事業, 加工事業), Life Services (Aコープ retail, JA葬祭, 介護・福祉, 石材センター, 不動産), Banking (JAバンク with savings, loans, insurance), and Mutual Aid Insurance (JA共済 covering life, property, and automobile). The core agricultural business includes 10 Farmers Markets across Okinawa, agricultural product sales (vegetables, fruits, rice, flowers, livestock, processed goods including black sugar and juices), and agricultural guidance services. The cooperative serves both agricultural producers and general consumers through its network of branches, ATMs, and specialized service centers spanning all of Okinawa Prefecture including remote islands.

Differentiator

Problem solved

Functional benefit

Brands

• A-Coop (Aコープ): JA Okinawa's retail grocery store brand offering agricultural products and daily necessities to local communities.

Products and services

• JA Bank (JAバンク)
• JA Kyosai Insurance (JA共済)
• A-Coop Retail Stores (Aコープ)
• JA-SS Gas Stations (JA-SS)
• Nokyo Propane Gas (農協プロパン)
• JA Care and Welfare (JAの介護・福祉)
• JA Funeral Services (JA葬祭)
• Stone Center (石材センター)
• JA Okinawa Real Estate (JAおきなわ不動産)
• Farmers Markets (ファーマーズマーケット)
• Agricultural Products Sales (農産物直売)
• Agricultural Guidance Services (営農指導事業)

Quantifiable outcome

• Produces and sells diverse agricultural products including vegetables, fruits, rice, flowers, and livestock
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered notable and core.

• Orion Beer (オリオンビール)notableStrategic or Co-development PartnerPartnership for agricultural product priority utilization and comprehensive cooperation agreement. Orion Beer sources local agricultural products for their operations.
• Komeri (株式会社コメリ)notableStrategic or Co-development PartnerSustainable agricultural production support partnership initiated to support Okinawan farmers through retail distribution.
• JA Kyosai (JA共済)coreStrategic or Co-development PartnerJA Kyosai provides life, property, and automobile insurance services through JA Okinawa branches under the JA insurance system.
• JA Bank System (JAバンク)coreTechnology or IntegrationJA Bank system provides banking infrastructure, ATM network, and financial services platform through JA group network.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Aeon Retail (Aeon Co., Ltd.): Japan's largest supermarket and convenience retailer, a broad incumbent competing with JA Okinawa's A-Coop grocery stores for daily necessities and produce spend across Okinawa and nationally.
• Zenchu (Central Union of Agricultural Co-operatives): National-level federation representing all prefectural JAs including JA Okinawa. Operates as a broader incumbent overseeing the same cooperative framework, policy advocacy, and inter-regional coordination that JA Okinawa benefits from within the JA system.
• JA Kyosai (National Mutual Insurance Federation of Agricultural Cooperatives): National mutual aid insurance cooperative providing life, property, and automobile coverage through JA branches including JA Okinawa's. Functions as the broader insurance incumbent under which JA Okinawa's insurance products are delivered.
• JA Bank (Shinnoren / Prefectural Credit Federations): National JA banking network comprising prefectural credit federations through which JA Okinawa deposits and loans are processed. Operates the broader cooperative banking platform that JA Okinawa's banking division plugs into.

Direct peers

• Zen-Noh (National Federation of Agricultural Cooperative Associations): National marketing and supply arm of the JA Group, handling nationwide collection, processing, and sale of agricultural products plus input supply. Directly comparable as the cooperative counterpart to JA Okinawa's agricultural marketing, Farmers Markets, and input supply businesses.
• JA Okinawa A-Coop Co., Ltd. (wholly owned subsidiary): Wholly owned retail subsidiary that operates A-Coop branded stores for JA Okinawa, centralizing its supermarket operations. Includable as a directly comparable internal arm representing the cooperative's retail vertical.
• JA Hokkaido (Hokkaido Agricultural Cooperative Federation): Japan's largest regional agricultural cooperative, operating the same integrated JA model of agricultural guidance, banking (JA Bank), insurance (JA Kyosai), retail, and supply across Hokkaido. Directly comparable as a peer prefectural-level JA with multi-vertical cooperative operations.

Emerging players

• Komeri Co., Ltd. Japanese home-center and agricultural supply retailer that is also a formal partner of JA Okinawa for sustainable agricultural production support; comparable as a farm-supply and rural retail competitor and collaborator.

Regional players

• Okinawa Bank, Ltd. Regional commercial bank headquartered in Naha that competes directly with JA Okinawa's JA Bank branches for deposits, mortgages, and consumer loans across the same Okinawa customer base.

Others

• Orion Breweries, Ltd. Okinawan brewer with a priority-agricultural-input partnership with JA Okinawa for local ingredients. Functions as a strategic offtake customer for member-farm output rather than a competitor, but relevant for understanding the cooperative's agri-supply pipeline.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/JAOKINAWA
• Instagraminstagram.com/ja_okinawa/?hl=ja

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Okinawa Agricultural Cooperative