Uli, R., Surachman, M., Nurfitri, H., Soeratin, H., & Miftah, M. (2026). Strategic Transformation and Social Impact of Ultra Micro Finance: A Systematic Literature Review of PT Permodalan Nasional Madani (PNM) and Social Entrepreneurship. Business Innovation and Entrepreneurship Journal, 8(3), 255-263. https://doi.org/10.35899/biej.v8i3.1207