JA Irumano

What JA Irumano does

JA Irumano (いるま野農業協同組合) is a member-owned agricultural cooperative (JA) founded in 1996 and headquartered in Kawagoe City, Saitama Prefecture, Japan. The cooperative operates across 14 municipalities in central Saitama Prefecture and serves a dual constituency: agricultural producers (正組合員, regular members engaged in farming) and associate members/general consumers (准組合員, regional residents and other service users). JA Irumano runs a diversified four-pillar service portfolio combining JA Bank (savings, fixed deposits, housing loans, auto loans, education loans, reform loans, multi-purpose loans, free-purpose loans), JA Kyosai (mutual aid insurance covering life, medical, and agricultural risks), agricultural supply sales (fertilizers, pesticides, machinery parts through 4 material centers and 3 machinery centers), and agricultural product collection/sales through 3 agricultural sales centers, multiple 共販センター, 2 rice country elevators (カントリーエレベーター), a specialized Sayama Tea Center, and a taro sorting facility.

The cooperative generates revenue through interest spreads on deposits and loans, recurring insurance premiums, transaction-based agricultural supply sales, and direct-to-consumer retail via 13 physical direct sales stores (直売所, branded under Aguresshu and Iru Marche) plus the JAねっとショップ e-commerce channel. Underlying technology is conventional rather than differentiated: JA Net Bank provides internet banking with dedicated smartphone app; the JA Point Card system links banking, insurance, purchasing, and direct sales transactions into a unified loyalty program with Mitsubishi UFJ NICOS interoperability and Apple Pay integration via MUFG partnership; agricultural information systems (農業情報システム) support farm management. Distribution relies on ATM interoperability across MICS (三菱UFJ, 地銀, 信金, 信組 networks), ゆうちょ銀行, セブン銀行, ローソン銀行, イーネット (FamilyMart), and JFマリンバンク networks.

JA Irumano's go-to-market is relationship-driven and hyperlocal, supported by dedicated branch staff offering Sunday and evening loan consultations, marriage consultation services through the JAいるま野結婚相談員連絡協議会, associate member club activities (准組合員倶楽部「ほっとタイム」), agricultural experience tours (アグリキッズツアー, now in its 18th year for children's cooking contests), food bank programs, and partnerships with NPO Dreamer for children's cafeterias. A wholly-owned subsidiary, (株)いるま野サービス, operates funeral services (葬祭事業) including multiple 葬祭センター and せせらぎホール venues across the service area. The cooperative participates in the Saitama Prefecture 'Papa Mama Oen Shop' (パパ・ママ応援ショップ) program offering preferential rates to child-rearing families and is integrated into the national JA Group network for shared infrastructure, branding, and reinsurance.

Name

JA Irumano

Legal name

いるま野農業協同組合

Website

https://ja-irumano.or.jp

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

JA Irumano is a member-owned agricultural cooperative serving 14 municipalities in central Saitama Prefecture, providing JA Bank financial services, JA Kyosai mutual aid insurance, agricultural supply and product sales, and 13 direct sales stores to local farmers and regional residents.

Ownership category

akta.pro rank

Product category

Agricultural Cooperative Services

NAICS

Farm Supplies Merchant Wholesalers (42491), Fresh Fruit and Vegetable Merchant Wholesalers (42448)

SIC

Miscellaneous Business Credit Institution (6159), Retail-Misc General Merchandise Stores (5399)

akta.pro primary industry

Farmer Cooperatives & Co-op Retail (AFABAJAB)

Keywords

• Agricultural cooperative
• Community banking
• Mutual insurance
• Farm direct sales
• Agricultural supply

Headquarters

HQ city

Kawagoe (川越市)

HQ country

Japan

HQ region

Asia

Offices44 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. Banking / Savings & Loan Services (JAバンク): JAいるま野 provides savings deposits, fixed deposits, time deposits, housing loans, car loans, education loans, and other lending products through its JA Bank arm. Revenue is generated through interest spreads on loans and various transaction fees.
2. Mutual Aid / Insurance (JA共済): JA Irumano offers mutual aid insurance products covering life, medical, and other personal insurance needs for members and local residents, generating revenue through insurance premiums.
3. Agricultural Product Sales (、直売所・JAいるま野ねっとショップ): Direct sales of locally grown fresh produce through 13 direct sales stores (直売所) and an online shop, selling seasonal vegetables, rice, tea, processed goods, and local specialty products to consumers. Also operates wholesale and retail of agricultural products.
4. Agricultural Supply Sales (購買事業): Sale of agricultural production materials including fertilizers, pesticides, agricultural machinery, and farm supplies to member farmers.
5. Agricultural Product Collection and Sales (販売事業): Collection, processing, and sale of agricultural products from member farmers, including Sayama tea, rice, wheat, taro, and other local produce. Operates processing facilities and sales centers.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels10 records

Core offering

JA Irumano is a member-owned agricultural cooperative providing financial services (JA Bank savings, deposits, and loans), mutual aid insurance (JA Kyosai), agricultural supply sales to member farmers, collection and wholesale of agricultural products, and direct-to-consumer farm-produce retail through 13 stores and an online shop. It also operates funeral services, marriage consultation, and community engagement programs across 14 municipalities in Saitama Prefecture.

Product overview

JAいるま野（いるま野農業協同組合）は、埼玉県川越市・入間市・狭山市・所沢市・飯能市・日高市・坂戸市・鶴ヶ島市・富士見市・ふじみ野市・三芳町・毛呂山町・越生町の13市町を管轄する農業協同組合です。金融事業（JAバンク）では総合口座・定期貯金・定期積金・貯蓄貯金・決済用貯金等の貯金サービスと、JA住宅ローン・JAマイカーローン・JA教育ローン・JAリフォームローン・フリーローン・多目的ローン等の融資サービス、JA共済（保険）を提供します。経済事業では13店の直売所（あぐれっしゅ川越・ふじみ野・げんき村・日高中央、いるマルシェ等）で農産物の直販を行い、狭山茶センターで茶の加工販売をします。葬祭事業では葬祭課と複数の葬祭センター・せせらぎホールを運営します。その他に、結婚相談事業、准組合員俱楽部「ほっとタイム」の運営、営農販売センター・共販センター・カントリーエレベーター・農機センター・資材センター等の農業関連施設を通じて、組合員・地域住民に総合的なサービスを提供しています。

Differentiator

Problem solved

Functional benefit

Brands

• とれ蔵 (Torezou): JAいるま野 agricultural product sales promotion character mascot.

Products and services

• 総合口座 (Comprehensive Account)
• 定期貯金 (Fixed-Term Savings Deposit)
• 定期積金 (Periodic Installment Savings)
• 貯畜貯金 (Reserved Savings)
• 決済用貯金 (Settlement Deposit / Interest-Free Demand Deposit)
• JA住宅ローン (JA Housing Loan)
• JAマイカーローン (JA Auto Loan)
• JA教育ローン (JA Education Loan)
• JAリフォームローン (JA Home Renovation Loan)
• 多目的ローン (Multi-Purpose Loan)
• フリーローン (Free-Purpose Loan)
• JA共済 (JA Mutual Aid Insurance)
• JAポイントカード (JA Point Card Loyalty Program)
• JAいるま野直売所 (JA Irumano Direct Sales Stores)
• 狭山茶 (Sayama Tea)
• JAいるま野 結婚相談事業 (Marriage Consultation Service)
• いるま野サービス 葬祭事業 (Funeral Services)
• 准組合員倶楽部「ほっとタイム」 (Associate Member Club "Hot Time")
• 営農販売センター・共販センター (Agricultural Sales Centers)
• カントリーエレベーター・育苗施設 (Country Elevators and Seedling Nurseries)
• 農機センター (Agricultural Machinery Centers)
• 資材センター (Agricultural Material Supply Centers)
• JAねっとショップ (JA Online Shop)

Quantifiable outcome

• Sayama tea and rice are key specialty products with the region recognized for agricultural production, including peach production in Kawagoe City and taro (さといも) production in Sayama.
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• JA共済連埼玉 (JA Kyosai Renzoku Saitama)coreGTM or Marketing Partner · 14 March 2026Co-sponsored partner for JAいるま野's marriage consultation events. JA共済連埼玉 provides funding support (共済地域農業活性化促進事業) enabling free participation in matchmaking events including the 手相占い＆出会い交流会 scheduled for March 2026.
• JAさいたま結婚相談会 (JA Saitama Marriage Consultation)coreStrategic or Co-development Partner · 20 December 20253-JA joint matchmaking initiative (3JA合同企画) for single adults aged 30-50 years. JAいるま野結婚相談員連絡協議会 co-organizes a Christmas friendship party with JA Saitama and JA南彩, with each JA contributing participants and resources to the event.
• JA南彩 (JA Nansei)coreStrategic or Co-development Partner · 20 December 20253-JA joint matchmaking partnership with JAいるま野 and JAさいたま. JA南彩 co-organizes the Christmas friendship party targeting single adults in the Saitama region.
• 埼玉県 (Saitama Prefecture Government)coreStrategic or Co-development PartnerSaitama Prefecture's 'Papa Mama Oen Shop Project' (パパ・ママ応援ショップ事業) brings together regional businesses and local government to support child-rearing families. JA Irumano participates as a sponsoring member, offering preferential services to families with children.
• 小江戸鏡山書店 (Koedo Kagamiyama Shuzo)minorGTM or Marketing PartnerLocal sake brewery in Kawagoe City. JA Irumano promotes their award-winning products (大吟醸酒「鏡山 斗瓶取り雫酒」 won gold at 全国新酒鑑評会) through its agricultural product news channel, and the brewery's products are sold at JA direct sales locations.
• JAグループ (JA Group / National JA Organization)coreStrategic or Co-development PartnerJA Irumano is a member of the nationwide JA Group agricultural cooperative network. The JA Group provides shared infrastructure for JA Bank (JAバンク: banking services through JA Bank Japan system), JA Kyosai (JA共済: mutual aid insurance through 全国共済農業協同組合連合会), and collective agricultural marketing. JA Group guidelines and standards govern much of JA Irumano's operations.
• 特定非営利活動法人れでぃばーど (NPOR Dreamer)minorStrategic or Co-development PartnerJA Irumano partners with NPO Dreamer as a food provider, supplying ingredients for the 'Miyo Okaomo Children's Cafeteria' food education program in Miyoshi Town. This is part of JA Irumano's community contribution and SDG initiatives (SDG 2: Zero Hunger).

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Inageya (いなげや): Tokyo/Saitama-focused supermarket chain specializing in fresh produce and prepared foods. Most direct retail competitor to JA Irumano's 直売所 for everyday consumer grocery spend in the same geography.
• Kirayaka Bank (きらやか銀行): Regional bank in Yamagata Prefecture with comparable asset scale, branch network, and agricultural/SME lending orientation. Useful benchmark for JA Irumano's potential business mix and profitability profile.
• Ogaki Kyoritsu Bank (大垣共立銀行): Mid-sized regional bank serving Gifu and surrounding prefectures with deposit and agricultural lending focus. Comparable in scale, regional banking focus, and emphasis on SME/farmer customer base.

Broad incumbents

• Resona Holdings (りそなホールディングス): Parent of Saitama Resona Bank; major Kanto-area banking group with deposit, lending, and trust operations competing head-to-head with JA Bank branches in suburban Saitama.
• Sumitomo Mitsui Banking Corporation (三井住友銀行): One of Japan's three megabanks with nationwide branch network, including Saitama locations. Competes for housing loans and corporate banking that JA Irumano targets through JA Bank lending products.
• Mitsubishi UFJ Bank (三菱UFJ銀行): Japan's largest megabank and JA Irumano's primary ATM/network partner (MICS提携). Sets competitive benchmark for deposit rates, mortgage products, and digital banking that JA Irumano must match across its 28-branch network.
• Concordia Financial Group (横浜銀行): Mid-tier banking group with Yokohama Bank and Higashi-Nippon Bank, both with significant Saitama/Kanto presence. Competes with JA Irumano for regional retail and small-business banking.

Others

• Aeon (イオン): Japan's largest supermarket/GMS operator with strong Saitama/Kanto presence. Competes with JA Irumano's 13 direct sales stores for fresh-produce grocery spend, and has expanded into banking (Aeon Bank) overlapping with JA Bank's deposit-gathering.

Direct peers

• Saitama Resona Bank (埼玉りそな銀行): Major commercial retail bank headquartered in Saitama Prefecture with extensive branch coverage across the same municipalities JA Irumano serves. Directly competes for deposits, mortgages, and consumer loans in JA Irumano's home market.
• JA Saitama (JAさいたま): Other major agricultural cooperative in Saitama Prefecture, formed by merger of multiple JAs. Operates JA Bank, JA Kyosai, agricultural supply, and direct sales across the prefecture with overlapping service area and identical cooperative structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/jairumano
• Facebookfacebook.com/jairumano.saitama

Revenue estimate

Valuation estimate

Number of profiles

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 Irumano