Every loan, every repayment, every won — published openly. Here is the full operational record of the artist mutual aid fund.
First-year results: 129 loans totaling KRW 294 million, with emergency funds accounting for 56% of cases.
129
Total loans
KRW 294M
Amount deployed
2.64%
Subrogation rate
Rate: 3.0–5.5% p.a.
Download PDF305 loans, KRW 609 million deployed. A 50.5% full repayment rate confirms the fund cycle is maturing.
305
Total loans
KRW 609M
Amount deployed
50.5%
Full repayment rate
Rate: 3.0–5.5% p.a.
Download PDF354 loans, ~KRW 700M cumulative. 95% repayment rate. Structural data reveals 84.9% primary bank exclusion.
354
Cumulative loans
~KRW 700M
Total deployed
95%
Repayment rate
Rate: 3.0–5.5% p.a.
Download PDFLoan volume has grown each year since inception in December 2022, while maintaining a stable repayment rate.
| Year | Loans | Amount | Repayment | Subrogation |
|---|---|---|---|---|
| 2023 | 129 loans | KRW 294M | ~97% | 2.64% (5 cases) |
| 2024 | 305 loans | KRW 609M | 50.5% full repayment | 5.1% (20 cases) |
| 2025 | 354 (cumulative) | ~KRW 700M (cumulative) | 95% | 5.10% |
* 2025 figures are cumulative totals from program inception (Dec 2022).
Based on the 2024 operation report — loan utilization by artistic field.
35.4%
Theater / Film
30.2%
Music
23.6%
Visual Arts
7.2%
Literature
354
Total loans issued
~KRW 700M
Total support deployed
95%
Repayment rate
~KRW 140M
Interest saved vs. market rate
Reports are published annually and independently.
Korea Smart Cooperative discloses all operational data — loans issued, repayments, and subrogation — to members and supporters through annual transparency reports. Download the PDFs above to verify for yourself.