JA TOKYO MIRAI

What JA TOKYO MIRAI does

JA Tokyo Mirai (legal name: 東京みらい農業協同組合) is a private agricultural cooperative founded in 1995 through the merger of local cooperatives in four western Tokyo cities — Higashimurayama, Kiyose, Higashikurume, and Nishitokyo. Registered as a financial institution with the Kanto Finance Bureau (No. 313) and headquartered at 3-7-2 Saimachi, Higashi-kurume, the cooperative operates an integrated multi-service model that combines JA Bank financial services (deposits, loans, investment trusts, JA Net Bank online banking), JA Kyosai cooperative insurance (life/home/auto), and agricultural-support functions including four farm-product direct-sale centers under the 'Shinsenkan' brand (Mirai Higashimurayama, Mirai Kiyose, Mirai Higashikurume, Nishitokyo Fureai), an Experience Farm ('Mirai Farm'), mobile sales vehicles, agricultural machinery services, pension and inheritance consultation, funeral services, and monthly parking management.

The cooperative's core technology stack is composed of standard JA Group systems rather than proprietary platforms: JA Net Bank internet banking, the JA Bank app for tax and utility payments, QR-code-based slip creation tools, ATM operations, and basic API-service regulations. Distribution is primarily physical — 8 financial branches plus 4 direct-sale centers across four cities, supplemented by mobile sales vehicles that deliver produce to housing complexes without nearby supermarkets (notably Nakazato and Asahigaoka in Kiyose City). Customer acquisition is event-driven, anchored by seasonal fairs (strawberry, mikan, chestnut, harvest festivals, eki-ben station fairs), community magazine 'MINORI', and a Facebook page for direct-sale centers, with cross-promotion via JA Group-wide campaigns (including MUFG farm-market tie-ins and an Alvark Tokyo sponsorship signed 2020-12-04).

Revenue mechanics span four streams captured in the data: (i) commissions and handling fees on direct-sale of local agricultural produce and processed goods (e.g., 'potemaru' frozen vegetable gyoza at 390 yen for 8 pieces); (ii) interest spreads, ATM/transfer fees, and investment-trust commissions from banking services; (iii) recurring JA Kyosai insurance premiums; and (iv) recurring parking management, funeral service fees, and annual experience-farm memberships (45,000 yen/year per 22.5 sqm plot). The customer base is dual-segmented: regular (farmer) members supplying produce into the cooperative's sales channels, and associate (non-farmer) members/residents purchasing produce and using banking/insurance products. JA Tokyo Mirai operates as a member-governed entity within the broader JA Group network; it is not listed, has no institutional investors, and does not disclose revenue.

Name

JA TOKYO MIRAI

Legal name

東京みらい農業協同組合

Website

https://ja-tokyomirai.or.jp

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

251–500 employees

Short description

JA Tokyo Mirai is a private agricultural cooperative founded in 1995 serving four western Tokyo cities (Higashimurayama, Kiyose, Higashikurume, Nishitokyo), providing JA Bank financial services, JA Kyosai insurance, farm-product direct sales, and agricultural support to farmer members and local resident associate members.

Ownership category

akta.pro rank

Headquarters

HQ city

Higashi-kurume

HQ country

Japan

HQ region

Asia

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Agricultural Product Sales (Farm Direct Sales): JA Tokyo Mirai operates farm product direct-sale centers where local farmers sell produce. The cooperative earns revenue through sales commissions and handling fees from the direct-sale of local agricultural products including vegetables, fruits, processed goods, and specialty items. Products include seasonal produce, frozen processed foods (e.g., 'potemaru' vegetable gyoza), jams, and local specialty items.
2. Banking and Financial Services: The cooperative provides savings/deposits, loans, investment trusts, and JA Net Bank online banking services. Revenue is generated through interest spreads on loans, service fees (ATM fees, transfer fees), and commissions on investment products.
3. Insurance / JA Kyosai: The cooperative offers JA Kyosai insurance products covering life, home, and automobile protection, generating revenue through insurance premiums and policy fees.
4. Parking Management: The cooperative manages monthly parking lots, generating rental income from parking space management fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

JA Tokyo Mirai is a private agricultural cooperative serving four cities in western Tokyo. It operates as an integrated service provider offering JA Bank savings and loan products, JA Kyosai mutual insurance, agricultural product direct-sale centers (Shinsenkan), agricultural guidance and experience farms, mobile produce sales, and funeral and pension consultation services. The cooperative also provides parking management and supports local farmers through machinery services and farming consultation.

Product overview

JA東京みらい is an agricultural cooperative offering a comprehensive portfolio of financial services (banking, loans, investment trusts, insurance), retail operations (four agricultural product direct sales centers, mobile sales vehicles), and agricultural support services (experience farms, farming guidance). The organization also provides advisory services including pension consultations and funeral services, serving members across East Tokyo cities including Higashikurume, Kiyose, Higashimurayama, and Nishi-Tokyo.

Differentiator

Problem solved

Functional benefit

Products and services

• JA Net Bank (Internet Banking) Internet banking service allowing JA members to manage deposits, transfers, account services, tax payments, and QR code-based transactions online.
• Agricultural Product Direct Sales Centers (Shinsenkan) Four physical retail locations branded Shinsenkan (Mirai Higashimurayama, Mirai Kiyose, Mirai Higashikurume, Nishitokyo Fureai) selling fresh locally-grown produce, processed agricultural goods, and seasonal items directly to local consumers.
• Savings Products Deposit and savings account products including regular savings, time deposits, and special savings programs offered to members through JA Bank.
• Loan Products Various loan products including housing loans, agricultural loans, and small business loans for individuals and farm members.
• Investment Trusts Investment trust products distributed to members through the JA banking network.
• JA Kyosai Cooperative Insurance (Mutual Aid) Cooperative insurance products covering life, health, property, automobile, and agricultural risks, offered under the JA Kyosai brand.
• JA Experience Farm "Mirai Farm" Guided agricultural experience farm offering hands-on farming with cultivation training, seeds, seedlings, fertilizer, and tools provided. Annual membership at 45,000 yen per 22.5 sqm plot.
• Mobile Sales Vehicle Service Mobile produce sales trucks delivering fresh vegetables, rice, and processed goods to underserved residential complexes in Kiyose City (Nakazato and Asahigaoka districts).
• Pension Consultation Consultation services for pension-related inquiries and retirement planning for members and local residents.
• Funeral Services Funeral arrangement and ceremony services provided at the main office for members and local residents.
• Monthly Parking Lot Management Monthly parking lot management services providing rental parking spaces to local users, generating rental income for the cooperative.

Quantifiable outcome

• 4 main farm product direct-sale centers and multiple branch farm stands serving local communities across 4 cities
• +1 more outcomes

Segments3 records

Ideal customer profiles3 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.

• Alvark Tokyo (Albirex BB)minorGTM or Marketing Partner · 4 December 2020JA Tokyo Group entered into a partnership with the professional men's basketball team Alvark Tokyo. The partnership aims to promote JA Tokyo Group's agricultural activities and increase brand awareness among sports fans through team sponsorship and collaborative promotional activities.

Scale indicators4 records

Recent moves16 records

Expansion highlights6 records

Direct peers

• JA Tokyo Musashi: Another JA cooperative serving the Tokyo metropolitan area (Tama region), offering the same integrated JA model: banking, insurance, agricultural guidance, and direct-sale retail. Directly comparable in business model, service mix, and customer segments to JA Tokyo Mirai.

Others

• Shoko Chukin Bank: Central cooperative bank for Japanese small and medium enterprises (SMEs), analogous to Norinchukin Bank for the agricultural sector. Not a direct competitor but a comparable cooperative-banking institution serving a different member base (SME cooperatives vs. agricultural cooperatives).

Regional players

• Hokuren (Hokkaido Federation of Agricultural Cooperative Associations): Federation of agricultural cooperatives in Hokkaido, providing integrated producer support, marketing, and supply services comparable to JA Tokyo Mirai's role in western Tokyo. Operates in a different geography but with a similar cooperative-federation structure and agricultural value-chain integration.

Broad incumbents

• JA Zennoh (National Federation of Agricultural Cooperative Associations): National federation representing all JA cooperatives in Japan, handling wholesale agricultural marketing, supply, and processing. JA Tokyo Mirai is a member cooperative; Zennoh operates at the national/federal level performing roles analogous to a wholesale/distribution partner for member JAs.
• JA Kyosai (National Mutual Insurance Federation of Agricultural Cooperatives): Insurance arm of the JA Group, providing life, home, automobile, and agricultural insurance products sold through member cooperatives including JA Tokyo Mirai. Functions as a national infrastructure provider for JA Tokyo Mirai's insurance revenue stream.
• Norinchukin Bank: Central cooperative bank for Japan's agricultural, forestry, and fishery cooperatives. JA Tokyo Mirai's banking operations are routed through the JA Bank network, which Norinchukin Bank anchors at the national level — making it the upstream infrastructure provider for JA Tokyo Mirai's financial services.
• Aeon Agri Create: Subsidiary of Aeon Group focused on agricultural production and retail, operating farms and produce outlets across Japan. While larger and investor-backed, it competes in the same farm-direct-to-consumer retail space as JA Tokyo Mirai's Shinsenkan centers.

Emerging players

• Pal System: Consumer cooperative delivering local and organic produce, groceries, and household items to member households in the Kanto region (including western Tokyo). Competes with JA Tokyo Mirai's direct-sale centers and mobile sales vehicles for the same 'local, traceable food' consumer preference.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/JA%E6%9D%B1%E4%BA%AC%E3%81%BF%E3%82%89%E3%81%84-%E8%BE%B2%E7%94%A3%E7%89%A9%E7%9B%B4%E5%A3%B2%E6%89%80-540791442757249

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 TOKYO MIRAI