The study is to analyze how properly microcredit program is designed to fit the mission and target group in case of Social Solidarity Bank in South Korea, and how inadequate management infrastructure in the organization can hamper effective carrying out of the programs. The study found that contrary to the intention to be integrated program, in reality, loan and follow-up service are given more emphasis over education service under current practices. As evidence, there were no educational personnel. Neither were there enough loan and follow-up officers to provide one to one services in order to meet the needs of targets in the microcredit program. It reflects the difficulty in securing funds for education and follow-up service. Therefore, there is a great need for alternative financial resources for follow-up service and education. In order to sustain the vital loan service which depends on contribution and government grant, there is need to vitalize private contribution and direct support from government.

INTRODUCTION
 THEORETICAL BACKGROUND
 Microcredit Program
 Correlation of Microcredit Program with Organizational Mission andTarget Group
 Relationship Between Microcredit Programs and Operational Resources
 STUDY DESIGN AND METHODOLOGY
  Framework of Analysis
  Subject of Analysis
  Methodology
 RESULTS OF ANALYSIS BASED ON SOCIAL SOLIDARITYBANK’S CASE
  Analysis of Organizational Mission and Target Groups
  Analysis of Programs
  Operational Resources
 CONCLUSION
 REFERENCES

• Eun-eui YIM(Ph.D, is Professor at the Department of Social Welfare, Far East University, Eumseong, South Korea.)
• Bo-young PARK(Ph.D, is Associate Professor at the Department of Social Welfare, Far East University, Eumseong, South Korea.)