JA Kyosairen Fukushima (Fukushima Prefectural Office / Fukushima Prefectural Office of JA Kyosairen)

Wiki route

This entry sits under cooperative-banks INDEX as the first prefectural-federation anchor for the JA Kyosairen system in FinWiki, closing the audit gap that “JA Kyosairen exists but no prefectural Shinren anchors exist”. Fukushima was selected for its disaster-recovery-context relevance (2011 Great East Japan Earthquake / nuclear accident + building-renewal mutual aid = “kenko” of large-scale payout track record). Read with Ja Kyosairen for the national parent, The Fukushima Bank for the regional banking peer, JA Shinnoren (Prefectural Credit Federations of Agricultural Cooperatives) for the agricultural-credit prefectural equivalent, and JA Bank system for the system boundary.

TL;DR

JA Kyosairen Fukushima Prefectural Office = the Fukushima-prefecture-area business base of Ja Kyosairen. Through the prefectural-office integration of 2000 年 (47 prefectural Kyosairen → 1 Zenkyoren + 47 prefectural offices), the prefectural organization lost its legal personality and migrated to the national headquarters’ prefectural-office organization (bearing the prefecture-by-prefecture execution of the mutual-aid business). In the 2011 Great East Japan Earthquake + the Fukushima Daiichi nuclear accident, JA Kyosairen Fukushima Prefectural Office had a large-scale payout track record of building-renewal mutual aid (kenko) = it bore the practical execution of disaster payouts to agricultural-cooperative member households within the prefecture, and it embodies the role of cooperative mutual aid in the disaster-recovery period as a representative case. In collaboration with 5 JA within Fukushima Prefecture (JA Fukushima Mirai / JA Fukushima Sakura / JA Yume Minami / JA Tozai Shirakawa / JA Aizu Yotsuba), it executes the sales + assessment + payout work of life mutual aid, pension mutual aid, building-renewal mutual aid, and automobile mutual aid for members.

1. License / organizational structure

Item	Content
Formal name	National Mutual Insurance Federation of Agricultural Cooperatives, Fukushima Prefectural Office
Common name	JA Kyosairen Fukushima / Zenkyoren Fukushima
Legal form	**Prefectural office of Zenkyoren ([[non-life-insurers/ja-kyosairen
Established	1951 (former Fukushima Prefectural Mutual Insurance Federation of Agricultural Cooperatives) → integrated into the national headquarters in 2000
Location	Fukushima City, Fukushima Prefecture (inside the JA Building)
Affiliated cooperatives	5 JA within Fukushima Prefecture (JA Fukushima Mirai / JA Fukushima Sakura / JA Yume Minami / JA Tozai Shirakawa / JA Aizu Yotsuba) + regional members
Supervisory authority	Ministry of Agriculture, Forestry and Fisheries (primary) + Financial Services Agency (cooperative supervision)
Wiki role	Prefectural-office anchor of JA Kyosairen (Fukushima selected as the representative case of the 47 prefectural offices)

Background of the prefectural-Kyosairen integration (2000)

Era	Event
1951~	“Prefectural Mutual Insurance Federation of Agricultural Cooperatives” established in each of the 47 prefectures (independent federations with legal personality)
the 1960~90 s	operated in a 2 -tier structure of 47 prefectural Kyosairen + 1 Zenkyoren
2000-04-01	prefectural Kyosairen, the 47 institution → integrated into Zenkyoren, reorganized into each prefectural office
2000~	unified operation with Zenkyoren as the national headquarters and the 47 prefectural organizations as “prefectural offices”
2011-03-11	Great East Japan Earthquake + Fukushima Daiichi nuclear accident — the kenko payout work of the Fukushima Prefectural Office became large-scale
2012~	continued member services in the recovery period by JA within Fukushima Prefecture + the prefectural office
2020~	prefectural-office rollout of the JA Kyosai app / AI assessment
2024~	DX promotion + improvement of prefectural-office operational efficiency

Unified operation of Zenkyoren + 47 prefectural offices

[[non-life-insurers/ja-kyosairen|JA 共済連 (全共連) 全国本部]]
  ├── Hokkaido Office
  ├── Tohoku 6  prefectural offices (Aomori / Iwate / Miyagi / Akita / Yamagata / Fukushima) ★Fukushima = this page
  ├── Kanto-Koshinetsu prefectural offices
  ├── Tokai prefectural offices
  ├── Kinki prefectural offices
  ├── Chugoku-Shikoku prefectural offices
  └── Kyushu-Okinawa prefectural offices
      ↓ each prefectural office operates as the business-execution organization of Zenkyoren
      → mutual-aid sales + assessment + payouts to JA + member households within the prefecture

Main operations (specific to prefectural offices)

Operation	Content
Mutual-aid sales support	education of mutual-aid promoters and sales-target management of the 5 JA within the prefecture
Assessment work	on-site assessment of automobile accidents / fires / natural disasters within the prefecture
Payout disbursement	mutual-aid-money disbursement work to member households
Building-renewal mutual aid (kenko) promotion	sales of the flagship product integrating fire + natural disaster + death protection
Member education	risk management / mutual-aid-usage education
Disaster-recovery-period response	concentrated assessment + payout work in times of large-scale disaster

Kenko payouts in the 2011 Great East Japan Earthquake + nuclear accident

2011-03-11 Great East Japan Earthquake: enormous damage in the area under the jurisdiction of the Fukushima Prefectural Office
- tsunami damage (coastal areas) + earthquake damage (inland areas) + Fukushima Daiichi nuclear accident (evacuation zones)
Building-renewal mutual aid (kenko) = integrated fire + natural disaster + death protection → large-scale payouts

Fukushima Prefecture’s agriculture / JA structure

JA within Fukushima Prefecture: the 5 JA of JA Fukushima Mirai (north / central prefecture) / JA Fukushima Sakura / JA Yume Minami / JA Tozai Shirakawa / JA Aizu Yotsuba
a major production area for rice / vegetables / fruit (peaches / pears) and livestock
continued JA involvement in measures against reputational damage after the nuclear accident + food-distribution-safety programs

Financial scale of the prefectural office

The prefectural office’s standalone KPIs are not disclosed — the prefectural office is an internal business base of Zenkyoren and therefore does not have its own financial statements . The “disclosure” on the Fukushima Prefectural Office official site is also forwarded to the national JA Kyosairen disclosure, and prefecture-by-prefecture figures (in-force contract amount / number of member households) are not published (confirmed 2026-05-29). Estimates of prefecture-by-prefecture approximate figures lack sources and are isolated in .opinions/JapanFG/ja-kyosairen-fukushima.md.

Position of the Fukushima Prefectural Office within Zenkyoren

one of the Tohoku 6 prefectural offices among the 47 prefectural offices
experienced the special environment of the 2011 earthquake + nuclear accident in the Tohoku district (Aomori / Iwate / Miyagi / Akita / Yamagata / Fukushima)
a representative case of the prefectural-office model of disaster-response capability + member-proximate service
a knowledge-aggregation place for disaster-payout work within Zenkyoren

Cooperative mutual-aid model in the disaster-recovery period

compared with private insurance companies (non-life insurers), JA Kyosairen = payouts based on the philosophy of “member mutual aid”
building-renewal mutual aid (kenko) = integrated fire + earthquake + natural disaster + death protection → a unique product not found in private non-life insurance
the Fukushima Prefectural Office’s 2011 earthquake response = demonstrated the social significance of kenko

4. KPI

Indicator	Value	Source
Number of JA within the prefecture	5 JA	JA Kyosairen Fukushima official site

Note: Because JA Kyosairen is operated in a unified manner by the national headquarters, the prefectural office’s standalone in-force contract amount / number of member households is not disclosed (no primary source for prefecture-by-prefecture figures, confirmed 2026-05-29). Estimates of prefecture-by-prefecture approximate figures are isolated in .opinions/JapanFG/ja-kyosairen-fukushima.md. For the national (Zenkyoren) -basis in-force contract amount, etc., refer to the Zenkyoren annual report + JA Group Factbook 2026 .

5. Supervision / regulation

Competent authority: Ministry of Agriculture, Forestry and Fisheries (primary) + Financial Services Agency (cooperative supervision) + Fukushima Prefecture Department of Agriculture, Forestry and Fisheries (prefectural-cooperative supervision)
Legal basis: Agricultural Cooperatives Act (mutual-aid-business provisions) + mutual-aid-business guidelines
Recent policy points:
- continued evolution of the kenko payout model in the disaster-recovery period
- prefectural-office rollout of AI assessment + digital contracts
- the role of the prefectural office + JA within the prefecture in the food-security plan (2026~)
- long-term recovery of the nuclear-accident zones and continued member services

ja-kyosairen — JA Kyosairen national headquarters (the superior of this prefectural office)
ja-zenchu — JA Zenchu (representative of the JA Group)
ja-zen-noh — JA Zen-Noh (economic business of the JA Group)
ja-shinnoren — JA Shinren (peer prefectural office / credit business)
ja-bank-tokyo-shinren — JA Bank Tokyo Shinren (peer prefectural anchor)
norinchukin — Norinchukin Bank (the center of the JA Bank system)
fukushima-bank — Fukushima Bank (peer bank within Fukushima Prefecture)
kyoritsu-fire-marine — Kyoei Fire and Marine Insurance (subsidiary with 74.20% investment from JA Kyosairen)
jf-shingyoren — JF Shingyoren (fisheries-cooperative peer)
ja-bank-system-japan — JA Bank system
cooperative-banking-japan — cooperative-organization finance overall
INDEX — insurance domain (mutual-aid comparison)
cooperative-banks INDEX

Sources

JA Kyosairen official: https://www.ja-kyosai.or.jp/
JA Kyosairen company overview: https://www.ja-kyosai.or.jp/about/
JA Kyosairen national-headquarters / prefectural-office organization chart: https://www.ja-kyosai.or.jp/about/zenken/
JA Kyosairen disclosure (national-headquarters unified): https://www.ja-kyosai.or.jp/about/disclosure/ — disclosure is on a national-headquarters basis, prefecture-by-prefecture figures are not listed
JA Kyosairen Fukushima Prefectural Office official: https://www.jakyosai-fukushima.jp/ — “while cooperating and coordinating with the 5 JA within the prefecture (JA Fukushima Mirai, JA Fukushima Sakura, JA Yume Minami, JA Tozai Shirakawa, JA Aizu Yotsuba), comprehensively backs up the JA mutual-aid business” (confirmed 2026-05-30. Corrected the old version’s “8 JA” to 5 JA). The “disclosure” link is forwarded to the national disclosure (no independent disclosure of prefecture-by-prefecture figures)
JA Group Factbook 2026: https://org.ja-group.jp/pdf/jafactbook/jafactbook_2026.pdf
Agricultural Cooperatives Act (昭和 22 年 Act No. 第 132 号)
materials on the JA Kyosairen payout track record related to the 2011 Great East Japan Earthquake + Fukushima Daiichi nuclear accident

[!info] Verification status confidence: likely. The prefectural office = an internal business base of Zenkyoren that does not have legal personality, and no primary source exists that discloses the prefecture-by-prefecture in-force contract amount / number of member households (the disclosure on the Fukushima Prefectural Office official site is also forwarded to the national disclosure, confirmed 2026-05-29). The previous prefecture-by-prefecture approximate figures (life-type several trillion yen / non-life-type several hundred billion yen / member households several hundred thousand people) lack sources and are isolated in .opinions/JapanFG/ja-kyosairen-fukushima.md. Correction point (2026-05-30): the old version’s “8 JA within the prefecture” is incorrect. The JA Kyosairen Fukushima official site clearly states “5 JA within the prefecture (JA Fukushima Mirai / JA Fukushima Sakura / JA Yume Minami / JA Tozai Shirakawa / JA Aizu Yotsuba).” The facts retained in the body (5 JA within the prefecture, 2000 prefectural-office integration, the context of the 2011 earthquake / kenko payouts) are structural facts.