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Keywords Ability to Pay Banking crisis Capital Flight, Interest Rates Differential, Economic Growth, VECM Clean Water Crisis Economic Growth, Foreign Direct Investment, Human Development, Macroeconomic Condition, ECM Inequality Informal workers, Informal Sector, Employment, Education Kuznets Hypothesis Network analysis Network centrality Potato Farmers, Panenmart, Partners, Income SIFI Share analysis, growth analysis, quadrant method, local independence, fiscal decentralization Systemic risk Tax Compliance, Property Tax, Public Goods, Public Services Theil Entropy Index Williamson Index Willingness to Pay ethnic diversity, expenditure inequality, Indonesia handling strategy, mapping, penyandang masalah kesejahteraan sosial (PMKS) zakat, consumer behavior, donation, charity, Islamic redistribution