JA Sapporo

What JA Sapporo does

JA Sapporo (legal name: Sapporo City Agricultural Cooperative / 札幌市農業協同組合) is a member-owned agricultural cooperative founded in 1998, operating under Japan's Agricultural Cooperative Act and headquartered at Sapporo Chuo-ku Nishi 24-1-10 with registered financial-institution status (Hokkaido Bureau of Finance No. 54). The cooperative serves farmers and residents across Sapporo and Ishikari in Hokkaido through a multi-line platform: JA Bank (信用事業) for deposits, mortgages (Anshin Step, Anshin Step 10, Next 5), auto, education, reform, and card loans; JA Kyosai (共済事業) for life, cancer, accident, and auto mutual aid; purchasing business supplying fertilizer and farming inputs; sales business marketing agricultural produce; agricultural guidance (営農指導); real estate brokerage through JA Sapporo Real Estate Plaza; and community programs including the Agri Kitchen School, citizen farm gardens, and a corporate baseball team.

Technology infrastructure centers on JA Net Bank internet banking, the JA Bank App Plus mobile application with biometric/transfer/payment functionality, ATM integrations with Seven Bank, Lawson Bank, E-net, and Japan Post Bank for nationwide cash access, and credit-information integration with CIC, the Japan Bank Credit Information Center, and the Japan Credit Information Organization. Underlying all lending and deposit operations is the JA Bank system provided through JA Hokkaido Shinren (JA北海道信連), with capital sourced from the Norinchukin Bank tier of the cooperative federation. Customer base includes 129 certified farmer members (正組合員) as of March 31, 2026, and several hundred thousand associate members (准組合員) who are non-farmer residents using JA financial and retail services.

Revenue is generated across banking interest and fees (variable-rate mortgage range 1.90%–5.55%, JA Card loan 11.00%–13.40%, ordinary deposits at 0.300% with tiered term deposits up to 0.650%), JA Kyosai mutual-aid commission income, agricultural produce transaction fees (marketed through Hokuren for domestic and export channels), direct-producer retail at Torenosato and seasonal store locations, fertilizer and input margins, real estate brokerage commissions, and management fees from a wholly-owned subsidiary (Sapporo Kyodo Shinko Co., Ltd. / 札幌協同振興株式会社). Customer acquisition and engagement are driven by a community-led GTM: annual associate-member conventions (240 attendees in 2024, 230 in 2025 against 2,000–3,800+ applicants), JA Matsuri festivals, Agri Action Festa, the Anpanman Traffic Safety Caravan, and digital channels (LINE, Instagram, Facebook) plus the company's bimonthly PR magazine "Niji no Taishu" (虹の大樹). Leadership is provided by Representative Director-President Karube Mikio (軽部 幹夫); the cooperative is private, not publicly listed, has no parent holding company, and is funded entirely through retained earnings and cooperative capital.

Name

JA Sapporo

Legal name

札幌市農業協同組合

Website

https://ja-sapporo.or.jp

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

251–500 employees

Short description

JA Sapporo (Sapporo City Agricultural Cooperative) is a member-owned agricultural cooperative serving farmers and residents of Sapporo and Ishikari, Hokkaido, providing JA Bank deposits and loans, JA Kyosai mutual-aid insurance, agricultural produce marketing, real estate brokerage, and community programs through 21 branches and a wholly-owned subsidiary.

Ownership category

akta.pro rank

Product category

Agricultural Cooperative Banking and Financial Services

SIC

Agricultural Services (700), Agricultural Production-Crops (100)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• Agricultural cooperative
• Cooperative banking
• Mutual insurance
• Agricultural finance
• Direct farm sales

Headquarters

HQ city

Sapporo

HQ country

Japan

HQ region

Asia

Offices19 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 信用事業（JAバンク）: 貯金（貯蓄）・融資（住宅ローン・マイカーローン・教育ローン・リフォームローン等）・各種サービス提供による利息・手数料収入。 JAбанкシステムを通じて、信用金庫・金庫業務を実施.
2. 共済事業（JA共済）: JA共済（生命・傷害・自動車等の各種共済）の掛金収入と保障支払い。
3. 購買事業・購買事業: 肥料・営農用資材を农民に供应する农业生产资料販売。
4. 販売事業: 生産者から集荷した农畜産物を市場に販売또は直売所（地物市場とれのさと 등）で消费者に直接販売.
5. 不動産事業: JAさっぽろ不動産プラザを通じた不动产仲介・宅地の供给・管理等.
6. 営農指導: 农民に対する経営指导・新技术導入支援・各种教育事业.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels7 records

Core offering

JA Sapporo is a member-owned agricultural cooperative providing integrated financial services (JA Bank deposits, mortgages, auto, education, reform, and card loans), mutual aid insurance (JA Kyosai life, cancer, and accident coverage), agricultural sales and purchasing of fertilizer and farming inputs, direct producer sales of local produce through stores such as Torenosato, real estate brokerage through the Real Estate Plaza, and farm management guidance to certified farmer members and general residents across Sapporo and Ishikari in Hokkaido, Japan.

Product overview

JA Sapporo is a comprehensive agricultural cooperative providing banking services (JA Bank), insurance (JA Kyosai), agricultural sales, real estate, and community services. The banking division offers mortgage products (Anshin Step, Anshin Step 10, Next 5), consumer loans (auto, education, home reform, card loans), and internet banking through JA Net Bank and the JA Bank App Plus mobile application. The agricultural division operates direct sales stores including the main Torenosato market, promotes traditional Sapporo vegetables (Sapporo Yellow onion, Sapporo Daikyun cabbage, Polar Star spinach, Ohama Miyako pumpkin), and runs community programs including Agri Kitchen School farm experiences. Additional services include real estate through the Real Estate Plaza, mutual aid insurance, and a company baseball team.

Differentiator

Problem solved

Functional benefit

Products and services

• JA Bank (JAバンク) Banking services division offering deposit accounts, savings, loans, and internet banking to cooperative members and residents of Sapporo and Ishikari through the JA financial network.
• JA Net Bank (JAネットバンク) Internet banking service allowing customers to perform transfers, bill payments, tax and public fund payments, and loan pre-screening online 24/7.
• JA Bank App Plus (JAバンクアプリプラス) Mobile banking application for smartphones enabling fund transfers, tax and utility payments, and various banking transactions.
• Anshin Step Mortgage (あんしんステップ) Three-stage fixed-rate mortgage product with different rates for the initial 3 years, years 4–10, and year 11 onwards, available for new home purchases and refinancing.
• Anshin Step 10 Mortgage (あんしんステップ10) 10-year fixed-rate hybrid mortgage that switches to variable rate after year 11, requiring JA出資, JAカード契約, and JA Bank App Plus registration.
• My Car Loan (マイカーローン) Auto loan financing for purchase of passenger vehicles, motorcycles, snowplows, auto accessories, repairs, driving licenses, and loan refinancing, with variable rates from 2.40%–4.00% per year.
• Education Loan (教育ローン) Loan product financing education expenses including tuition, enrollment fees, rent, and living expenses for students from nursery school through university, with up to a 1.35% interest rate reduction.
• Reform Loan (リフォームローン) Home renovation and repair financing for additions, alterations, repairs, and home-related equipment installation, from 100,000 yen up to 15 million yen over 6 months to 15 years.
• Card Loan (カードローン) Revolving credit card loan for flexible personal financing needs from 100,000 yen up to 3 million yen, with variable rates from 11.00%–13.40% per year.
• Free Loan (フリーローン) Unsecured loan for homeowners offering flexible use of funds with variable rates from 3.60%–5.30% per year and fixed rates from 6.80%–9.20% per year, with up to a 1.70% interest rate reduction.
• JA Kyosai (JA共済) Mutual aid and insurance services including life insurance, cancer insurance, and accident coverage for cooperative members, provided through the JA Kyosai nationwide system.
• Direct Sales Stores (生産者直売所) Producer direct sales locations selling locally grown vegetables from JA Sapporo farmers, including the main Torenosato store and neighborhood outlets operated seasonally.
• Jibutsu Ichiba Torenosato (地物市場とれのさと) Main direct sales market in Ishikari selling seasonal local produce directly from JA Sapporo farmers, operating from April through November and hosting annual spring sales events.
• Real Estate Plaza (不動産プラザ) Real estate brokerage and management services including property sales, purchases, and rentals in the Sapporo area, operated by JA Sapporo's real estate business division.
• Citizen Farm Gardens (市民農園) Allotment garden spaces available for community members to lease for growing their own vegetables.
• Sapporo Yellow (札幌黄) Traditional sweet onion variety registered in the 'Flavor Ark' heritage food program in 2007, known for its thick flesh and natural sweetness, produced by 31 farmer households.
• Sapporo Daikyun (札幌大球) Giant cabbage weighing 12–15 kg per head (up to 17 kg), one of Sapporo's traditional vegetables grown by a limited number of farmers, with annual harvest around 4,000 heads.
• Polar Star Spinach (ポーラスター) Premium brand spinach grown in Kiyota district across approximately 33 ha (Makoto, Ariake, Okino combined), branded in 1979 and shipped to outside-Hokkaido markets.
• Ohama Miyako Pumpkin (大浜みやこ) Sweet squash variety cultivated in sandy soil of Teine district across approximately 690 a by 9 farmers, priced approximately 3x ordinary kabocha, named in 1981.
• Fertilizer and Farming Input Purchasing (肥料・営農用資材) Sales of fertilizer, agricultural materials, and farming inputs to cooperative farmer members at the JA Sapporo economic division.

Quantifiable outcome

• 認定農業経営者数 129名（正組合員、令和8年3月31日時点）
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

13 partnerships are on record, tiered core and minor.

• JAグループ北海道（JA-DOSANKO）coreStrategic or Co-development PartnerJA北海道信連・JA全中・JA全農・JA共済連・农林中央金庫等を含むJAグループ全体のネットワーク。 JAбанк・ JA共済・JA购买事業・JA販売事業の各领域で全国的ブランドを活用。JAグループ北海道として联动した活动や кампания도展開.
• ホクレン農業協同組合連合会（ホクレン）coreChannel Partner/ Reseller/ Distributor北海道内のJA购买・販壳事业的連合組織。 JAさっぽろの农民が生产した农畜产物の道外出荷・道内流通をホクレンが支援。ホクレンショップ・くるるの杜等の小売渠道での销售促進。
• 北海道コンサドーレ札幌minorGTM or Marketing PartnerJAさっぽろ青年部が企话する「コンサドーレ食の冒険ツアー supported by 札幌グランドホテル」として連携。アカデミーの选手たちにJAさっぽろ农民と农产品を绍介。地域の食・農業の理解促进と brand PRを兼ねる。
• 札幌グランドホテルcoreStrategic or Co-development PartnerJAさっぽろの准組合員コンベンション・农业理解促進イベントで提携。札幌 традицион野菜や JA产农畜产物を使ったメニューを提供。伊藤総料理長がpanel discussionに出演。 JAイベントの料理提供で постоянное partnershipを構築。
• （一社）北海道地域農業研究所minorStrategic or Co-development PartnerJAグループ北海道网站のリンク先に揭载。北海道の地域農業政策・研究相关信息の普及・推进を行う 研究機関との連携。 JAさっぽろの営農指导・農業政策立案に活用。
• 北海道（Hokkaido Prefectural Government）coreStrategic or Co-development PartnerJA北海道の官网リンク先に揭载。北海道の自治体として JAさっぽろの農業・农村地域の振兴策との連携。 JAさっぽろと札幌市の连携トークイベント（2025年12月）等を実施。
• 札幌市（Sapporo City Government）coreStrategic or Co-development PartnerJAさっぽろと札幌市の連携協定に基づく取り組み。「都市の中心から農業を伝える写真展・紡ぐ」（2022年度～2024年度継続開催）等を実施。 JAの农业资源と札幌市の都市住民の接点を创出。
• JA北海道厚生連（北海道厚生農業協同組合連合会）minorStrategic or Co-development Partner北海道内のJAの医療・ヘルスケア事业の連合組織。 JA共済の医疗保障との连関。札幌厚生病院等の运营により、地域住民の健康增进に取り組む。
• 一条>defcoreChannel Partner/ Reseller/ DistributorJA房贷提携業者（一条>def、标准・注文公寓・注文建房公司）。购房者に JA房贷商品を取次ぐ。 JAローンプラザを通じて情報提供・手続対応。 JA банкаと提携した融资的商品を提供する。
• 積水ハウスcoreChannel Partner/ Reseller/ DistributorJA房贷提携業者（积水土屋 тоже）。住宅建筑・购房者に JA房贷商品を取次ぐ。 JA房贷商品（借換応援型・新建・購入コース等）を提携特别金利で提供。
• JAグループ北海道coreStrategic or Co-development PartnerJAグループ北海道として、 JA банк・ JA共済・ JA购买・ JA販売事业の 全国ブランドを活用。 JA банк北海道・ JA банк机构内での金利・制度の统一的な運用。 JA间的共同宣传・ кампанияも実施。
• JA北海道厚生連（札幌厚生病院）minorStrategic or Co-development PartnerJA北海道厚生連が运营する札幌厚生病院。 JA共済の医疗保障事业と连関。 JA共済の医疗系保障商品（ JA医療共済等）との连関で地域住民の健康保障に取り組む。
• JA共済連coreStrategic or Co-development PartnerJA共済の全国的联合会。 JA共済商品の开发・提供。 ANPANMANとのタイアップ（ JA共済 ANPANMAN交通安全キャラバン）を全国規模で実施。 JAさっぽろは JA共済连との连繋で地域向けイベントを運営。

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• JA Tokachi (十勝農業協同組合連合会): JA Tokachi is a major Hokkaido agricultural cooperative serving one of Japan's premier dairy and crop production regions. It runs a similar JA Bank / JA Kyosai / agricultural sales / real estate integrated model under the same JA Group Hokkaido umbrella, making it the closest direct comparable for JA Sapporo in terms of business mix and operating structure.
• Hokuren (Hokkaido Federation of Agricultural Cooperative Associations): Hokuren is the prefectural federation of Hokkaido's JA cooperatives, handling joint purchasing of fertilizers/agricultural materials and joint sales/marketing of member-produced agricultural products. JA Sapporo is an affiliated member cooperative and uses Hokuren as its primary upstream purchasing and downstream sales channel, making the operational model directly comparable.
• JA Hokkaido Mirai: JA Hokkaido Mirai is a neighboring Hokkaido agricultural cooperative formed by merger, operating JA Bank branches, agricultural sales/purchasing, and JA Kyosai services. It shares the same JA Group Hokkaido affiliation and operates an essentially identical four-pillar business model targeting farmer and community members.
• JA Sorachi (JAそらち): JA Sorachi is another Hokkaido JA cooperative serving the Sorachi sub-prefecture with banking, insurance, agricultural sales, and real estate operations. It is highly comparable in operating model, scale, and JA Group affiliation, serving as a benchmark for JA Sapporo's regional cooperative economics.

Others

• Norinchukin Bank (農林中央金庫): Norinchukin Bank is the central cooperative bank for Japan's agricultural, fishery, and forestry cooperatives and serves as JA Sapporo's banking infrastructure backbone — funding, payment systems, and shared JA Bank brand. It is the upstream financial enabler of JA Sapporo's banking business.
• JA Kousei Ren Hokkaido (JA北海道厚生連): JA Kousei Ren Hokkaido is the healthcare federation operating Sapporo Kosei Hospital and other JA Group medical facilities. It connects to JA Sapporo through JA Kyosai's medical insurance product line and represents the cooperative's healthcare-adjacent infrastructure rather than a direct competitor.
• JA Kyosai (全国共済農業協同組合連合会): JA Kyosai is the national mutual aid insurance federation that develops and underwrites the JA Kyosai insurance products distributed by JA Sapporo. It is the upstream insurance provider that JA Sapporo represents locally, making it a structural counterpart rather than a direct competitor.
• JA Zennoh (全国農業協同組合連合会): JA Zennoh is the national JA federation for purchasing, manufacturing, and sales of agricultural products and inputs. JA Sapporo funnels member-produced agricultural goods through Zennoh's national distribution network, and Zennoh supplies fertilizers and farming materials via JA Sapporo's purchasing business — making it a key ecosystem participant.

Broad incumbents

• Hokuyo Bank (北洋銀行): Hokuyo Bank is the largest Hokkaido-headquartered regional bank, with deep penetration in Sapporo. It directly competes with JA Sapporo's JA Bank for retail deposits, mortgage origination, and agricultural lending — particularly relevant given JA Sapporo's significant housing loan partnership channel.
• Hokkaido Bank (北海道銀行): Hokkaido Bank is a major regional bank (part of Hokuhoku Financial Group) competing with JA Sapporo's JA Bank franchise for deposits, mortgages, and consumer loans across the same Sapporo/Hokkaido territory. While not a cooperative, it offers overlapping retail and small-business banking services and serves as the primary non-cooperative comparable for JA Sapporo's banking arm.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 Sapporo