JA Gifu

What JA Gifu does

JA Gifu (ぎふ農業協同組合 / Gifu Agricultural Cooperative Association) is a private member-owned agricultural cooperative headquartered at 岐阜県岐阜市司町37 in Gifu City, Gifu Prefecture, Japan. It operates under Japan's Agricultural Cooperative Act as part of the nationwide JA Group network and is governed by its local farmer-members rather than external shareholders. The cooperative provides a vertically integrated multi-service platform spanning four business lines: (1) 信用事業 / Credit (JA Bank) — deposits, loans, and remittance services routed through the JA・信連・農林中金 three-tier structure; (2) 共済事業 / Mutual insurance (JA Kyosai) — life, medical, and automobile insurance products; (3) 営農事業 / Agricultural operations — member farming support, citizen/experiential farm referrals, subsidy information and application assistance, and educational programs including its own ぎふラル (Gifu Raru) cultivation certification; and (4) 生活事業 / Lifestyle services — funeral services, travel services, and a network of direct-sales farmers' markets under the おんさい広場 (Onsai Hiroba) brand (おんさい広場鵜沼, はぐり, and 真正). It also operates みんれつ基金, an agricultural grant program, and runs the JAぎふ rioleina women's volleyball team competing in Japan's V.League Division 2.

The cooperative's go-to-market is built around its regional branch network throughout Gifu Prefecture, the JAぎふ official website, the 'Fureai Net' (ふれあいねっと) newsletter, and community events; commercial transactions are executed through physical branches, three named direct-sales stores, and the JA Town online marketplace. Pricing for financial services follows JA Group standardized rates; agricultural product pricing varies by product and season. JA Gifu's customer base is concentrated in Gifu Prefecture and centers on local farmers and agricultural producers needing production support, subsidy navigation, succession planning help, and integrated financial products, with secondary reach into local consumers via the direct-sales stores and retail banking customers.

In 2024-2026 JA Gifu executed a series of operational moves including a strategic partnership with Stayway Co., Ltd. (operator of Subsidy Cloud) on March 24, 2026 to digitize subsidy support for farmers, multiple branch consolidations (鏡沼/みどり坂 and 則武/島 branches on September 19, 2024; 稲羽西/稲羽東 branches merged into a new 稲羽 branch opening May 26, 2025), a partial revision of loan transaction fees effective April 1, 2026, suspension of new safe-deposit-box (貸金庫) service acceptance from February 2, 2026, and a temporary service suspension tied to a core system change on March 24, 2026 — collectively pointing to an ongoing branch-network rationalization and IT modernization under its '総合事業再編戦略' (Comprehensive Business Reorganization Strategy).

Name

JA Gifu

Legal name

ぎふ農業協同組合

Website

https://jagifu.or.jp

Company type

Private

Operating status

Operating

Short description

JA Gifu is a Gifu Prefecture, Japan-based agricultural cooperative providing JA Bank credit, JA Kyosai insurance, agricultural support, direct-sales retail (おんさい広場), funeral and travel services to local farmer-members and residents through a regional branch network.

Ownership category

akta.pro rank

Product category

Agricultural Cooperative Services

NAICS

Farm Supplies Merchant Wholesalers (42491)

SIC

Agricultural Services (700)

akta.pro primary industry

Farmer Cooperatives & Co-op Retail (AFABAJAB)

Keywords

• Agricultural cooperative services
• Cooperative banking
• Mutual aid insurance
• Agricultural lending
• Direct farm sales

Headquarters

HQ city

Gifu

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain

Distribution channels3 records

Marketing channels3 records

Core offering

JA Gifu (ぎふ農業協同組合, Gifu Agricultural Cooperative) is a member-owned agricultural cooperative headquartered in Gifu City that operates four integrated business lines: credit business (JA Bank) providing savings, loans, and remittance; mutual aid business (JA Kyosai) offering life, medical, and auto insurance; agricultural business delivering farming management support and citizen/experiential farm programs; and lifestyle business including funeral services and travel services for members and local residents. It also operates three direct-sales farm stores (おんさい広場 Hashima, Haguri, and Shinshō) selling locally grown fresh produce and processed goods.

Product overview

JAぎふ（ぎふ農業協同組合）は岐阜県岐阜市司町に本店を置く総合農業協同組合。信用事業（ＪＡバンクによる貯金・貸出・為替）、共済事業（ＪＡ共済）、営農事業（農業経営支援・ＪＡぎふ農園情報）、生活事業（葬祭・旅行）を展開。直売所事業はおんさい広場シリーズ（おんさい広場鷺山・おんさい広場はぐり・おんさい広場真正）が核となり、地産地消を推進。バレーボールチーム「リオレーナ」も運営し、地域貢献活動を行う。

Differentiator

Problem solved

Functional benefit

Brands

• リオレーナ (Rio Reena): JA Gifu's volleyball team (V.League Division 2 team)

Products and services

• JA Bank Credit Business (信用事業) Financial services for cooperative members and local residents including savings deposits, loans, and remittance/fund transfers, operated through the JA Bank three-tier structure (JA – Shinnoren – Norinchukin).

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Stayway Co., Ltd. (Subsidy Cloud)coreTechnology or Integration · 24 March 2026Business partnership between Stayway Co., Ltd. (operator of Subsidy Cloud) and JA Gifu Shinren to provide subsidy support services to local farmers. JA Gifu Shinren leverages Subsidy Cloud to deliver timely subsidy information and application support to farmers facing challenges such as successor shortages and high capital investment costs.

Recent moves9 records

Expansion highlights3 records

Direct peers

• JA Osaka (JA大阪市): Osaka's main agricultural cooperative offering banking, insurance, agricultural support, and direct retail services. Closely comparable in multi-service cooperative structure though operating in a more urbanized environment.
• JA Hyogo (JA兵庫): Prefectural-level agricultural cooperative in Hyogo Prefecture providing the same multi-service platform (JA Bank, JA Kyosai, agricultural support, direct retail) and the closest structurally and operationally comparable peer to JA Gifu.
• JA Shizuoka (JA静岡): Shizuoka Prefecture's combined JA cooperative providing banking, insurance, agricultural support, and direct retail. Comparable in scale and product scope to JA Gifu and operating in a similarly ag-diverse region (rice, tea, fruit).
• JA Tokyo (JA東京): Prefectural agricultural cooperative serving Tokyo, operating the same cooperative banking, insurance, agricultural support, and retail model, although with a more urban customer profile.
• JA Nagano (JAながの): Nagano Prefecture's agricultural cooperative offering JA Bank, JA Kyosai, farm support, and direct retail of regional produce, mirroring JA Gifu's structure in a similarly mountainous, fruit-and-rice agricultural region.

Broad incumbents

• Norinchukin Bank (農林中央金庫): Central cooperative bank for Japan's agricultural cooperative system (JA・信連・農林中金 three-tier structure), serving as the national umbrella for JA Gifu's banking operations and the dominant financial backbone of Japanese agricultural finance.
• Zen-Noh (全農): National Federation of Agricultural Cooperative Associations, acting as the central marketing and supply body for agricultural products across Japan. Operates as a broader incumbent connecting prefectural JAs like JA Gifu to national supply, logistics, and retail channels.
• JA Group (JAグループ): The umbrella JA Group system coordinating all prefectural and national JA cooperatives in Japan. JA Gifu is a member of this broader organizational structure governing policy, branding, and national-level service standards.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 JA Gifu