<![CDATA[Weekly installment-based cooperative loans are a commonly utilized source of financing among rural communities. However, their impact on household consumption patterns and financial planning, particularly within agrarian communities with irregular incomes, remains insufficiently explored in empirical studies. This study aims to analyze the effects of the number of cooperative memberships, total loan amount, and weekly installment value on these two aspects among rural households in Boawae District, Nagekeo Regency. A descriptive-verificative quantitative approach was employed involving 150 respondents selected through purposive sampling from seven villages. Data were analyzed using multiple linear regression with the assistance of SPSS version 26. Simultaneously, the three independent variables significantly influenced both consumption patterns (F = 20.900; p < 0.05; R² = 0.293) and household financial planning (F = 47.598; p < 0.05; R² = 0.494). Partially, the number of cooperative memberships had a negative effect on consumption patterns but a positive effect on household financial planning. The total loan amount positively affected consumption patterns while negatively affecting household financial planning. Meanwhile, weekly installment payments had a significant influence on both dependent variables. A higher loan burden was found to reduce households' consumption capacity and weaken their financial planning capability. These findings underscore the importance of improving financial literacy among rural communities and strengthening cooperative governance to support the economic stability of agriculture-based households. ABSTRAK Pinjaman koperasi berskema cicilan mingguan merupakan sumber pembiayaan yang lazim dimanfaatkan masyarakat pedesaan, namun dampaknya terhadap pola konsumsi dan perencanaan keuangan keluarga, khususnya pada komunitas agraris berpendapatan tidak tetap, masih minim dikaji secara empiris. Penelitian ini bertujuan menganalisis pengaruh jumlah keanggotaan koperasi, besaran total pinjaman, dan nilai cicilan mingguan terhadap kedua aspek tersebut pada masyarakat pedesaan di Kecamatan Boawae, Kabupaten Nagekeo. Pendekatan kuantitatif deskriptif verifikatif diterapkan dengan melibatkan 150 responden yang dipilih melalui purposive sampling pada tujuh desa, dan data dianalisis menggunakan regresi linear berganda berbantuan SPSS versi 26. Secara simultan, ketiga variabel independen berpengaruh signifikan terhadap pola konsumsi (F = 20,900; p < 0,05; R² = 0,293) dan perencanaan keuangan keluarga (F = 47,598; p < 0,05; R² = 0,494). Secara parsial, jumlah koperasi berpengaruh negatif terhadap pola konsumsi namun positif terhadap perencanaan keuangan keluarga. Total pinjaman berpengaruh positif terhadap pola konsumsi namun negatif terhadap perencanaan keuangan keluarga, sedangkan cicilan mingguan berpengaruh signifikan terhadap kedua variabel dependen. Tingginya beban pinjaman berdampak pada penurunan kemampuan konsumsi dan melemahnya kapasitas perencanaan keuangan rumah tangga. Temuan ini menegaskan urgensi peningkatan literasi keuangan masyarakat dan penguatan tata kelola koperasi guna mendukung stabilitas ekonomi rumah tangga berbasis pertanian.]]>
