Data from the 2025 report shows structural financial exclusion faced by artists in Korea.
Many artists earn irregular, project-based income. During unavoidable income gaps, access to fair finance determines whether creative work can continue.
Yet mainstream systems often assess only regular payroll patterns, which excludes artists by design.
The result is a recurring cycle of exclusion → predatory lending → collapse.
Primary banking exclusion rate: 84.9%
Predatory product exposure: 48.6%
Creative interruption among debt-collection-experienced artists: 88.3%
Artist financial hardship is rooted in systemic mismatch. We need financing models that recognize project-based livelihoods and protect creative continuity.