<![CDATA[Consumption activity is a crucial aspect of meeting household needs and is closely linked to the financial condition of the community. This study aims to analyze the impact of income and financial burdens on the consumption capacity of residents in Makassar City. A quantitative, associative research approach was employed. Data were collected using purposive sampling, involving 97 Makassar City residents as respondents. The data were analyzed using multiple linear regression, preceded by classical assumption tests—specifically tests for normality, multicollinearity, and heteroscedasticity. The results indicate that income has a positive and significant effect on consumption capacity, with a regression coefficient of 1.993, a t-value of 19.803, and a p-value of 0.001. Conversely, financial burden has a negative and significant effect on consumption capacity, with a regression coefficient of −0.053, a t-value of −15.507, and a p-value of 0.001. Simultaneously, income and financial burden significantly influence consumption capacity, with an F-statistic of 27.990 and a p-value of 0.001. The R-squared value of 0.856 indicates that 85.6% of the variation in consumption capacity can be explained by income and financial burden within the research model. These findings demonstrate that an increase in income is associated with an increase in consumption capacity, whereas an increase in financial burden is associated with a decrease in the community's consumption capacity. The results highlight the importance of proportionally managing income and installment burdens to maintain household consumption capacity]]>
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