This study examines how racial/ethnic discrimination influences financial access and material hardship, using survey data collected from self-identified Korean immigrants living in two counties in Alabama (N = 241). Key variables are experiencing racial/ethnic discrimination, two subjective measures of financial access, and four indicators of material hardship (overall, food-related, health insurance, and medical care). Descriptive analyses show a high rate of experiencing racial/ethnic discrimination, limited access to basic financial services and credit, and considerable rates of material hardship. Regression analyses indicate that experiencing discrimination has a significant association with access to credit but not with access to basic financial services. Access to credit has a significant and negative association with all types of material hardship. Our findings challenge the model minority myth of socially and economically integrated Asian/Korean immigrants. Results call for anti-discrimination policies and public efforts to expand financial access and reduce material hardship among Korean immigrants.

中文翻译：

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种族/民族歧视在经济获取和物质困难方面的作用：来自生活在南方腹地的韩国移民的调查结果

本研究利用从居住在阿拉巴马州两个县（N = 241）。关键变量是经历种族/民族歧视、财务准入的两项主观衡量标准以及物质困难的四项指标（总体而言，与食品相关的、健康保险和医疗保健）。描述性分析显示，遭受种族/民族歧视的比例很高，获得基本金融服务和信贷的机会有限，物质困难的比例也很高。回归分析表明，遭受歧视与获得信贷有显着关联，但与获得基本金融服务无关。获得信贷与所有类型的物质困难都存在显着的负面关联。我们的研究结果挑战了社会和经济一体化的亚洲/韩国移民的模范少数族裔神话。