ANALYSIS OF THE INFLUENCE OF SERVICE QUALITY AND RELIGIOSITY ON TEACHERS’ INTEREST OF AL-KAUTSAR ISLAMIC BOARDING SCHOOL IN SAVING AT ISLAMIC BANKS IN PEKANBARU

This study aimed to analyze the effect of banks’ service quality and teachers’ religiosity on teachers’ interest to save money in Islamic Banks in Pekanbaru. The study employed quantitative approach with 54 respondents from Al-Kaustar Islamic Boarding School in Pekanbaru. The data was analyzed by using SPSS version 22. The t-test and F-test were used to test the hypothesis. The results of this study indicated that the quality of service on interest in saving obtains a t-count value of 5.365, which was greater than the t table value of 1.671 with a significance level of 0.000<0.05. It shows that teachers’ interest to save their money in Islamic banks was positively and significantly affected by the banks’ quality of service. In addition, the religiosity obtained a t-count value of 3.521 which was also greater than the t-table value of 1.671 with a significance level of 0.002 <0.05. The F-test showed that the quality of service and religious understanding simultaneously affected the interest in saving the money with the effect of 72.6%, while other variables excluded in this study affected the remaining 27.4%.


INTRODUCTION
In its development, the growth of Islamic banks in Indonesia shows a significant progress. These remarks need to be appreciated. Islamic banks should take several efforts in order to develop their services by considering the services quality improvement strategies. In addition they also need to build a strong networking with Islamic institutions or organizations, especially Islamic boarding schools to empower the sharia economy. Furthermore, religiosity also affects customers' interest and decisions to save the money into Islamic banks.
Interest as a source of motivation, encourages people to do what they want if they are free to choose (Muh Risky, 2015). One of the primary factors which influence the interest of people to save their money into the banks was their monthly income. Each member of society may have different income levels which results in different interest for each individual in saving the money in any financial institution. Moreover, the quality of service and religiosity are also very important factors in influencing the saving decision.
In increasing the cooperation between Islamic banks and Islamic boarding schools requires necessary knowledge as well as good approaches to teachers teaching in the schools. Islamic teachings are instilled within the society which is marked by the existence of Islamic boarding schools. It is a part of the strategic elements in the community structure. If the schools, especially the kyai and the teachers possess adequate understanding on Islamic banking, their knowledge will be very beneficial for their students and their community as well.
Pekanbaru is a territory that shows a very significant numbers of Islamic boarding schools' growth, including the Islamic Boarding School of Al-Kaustar. Teachers from this Islamic school showed to have a bachelor, or a master, or a doctor degree from local and abroad universities specialized in Islamic religious education and sharia economics. Thus, with their knowledge on Islamic sharia and Islamic economics, it will affect their understanding of Islamic banks, especially with the issues of their interest to save the money in the Islamic banks as well as with the opportunity to use their products. It is assumed that Al-Kautsar Islamic Boarding School has a high level of religiosity since the teachers possess good Islamic revealed knowledge. Thus, the teacher's interest in saving their money in the Islamic banks also will be higher. It is because they know the Islamic principles with regard to riba.

Literature Review Service quality Definition
According to the Indonesian Dictionary (2001), quality is the level of goodness or badness of something. According to Buddy in Wahyuningsih (2002), quality is a basic business strategy that produces goods and services to satisfy the requirements and satisfaction of internal and external consumers, explicitly and implicitly as well. The service is an action or activity that may be proposed by a party that is primarily immaterial and does not involve property (Kotler, 2002). Quality of service is a dynamic condition of a company with regard to their products, services, people, processes, and the environment that meets or exceeds the expectations and is able to competently create goods or services according to consumers'

Dimensions of Service Quality
According to Parasuraman in Irham (2018), one of the service quality approaches that are widely used as a reference in marketing research is the service quality model, namely: 1. Tangible (direct evidence), the capacity of society to show its existence to external parties. The appearance and capabilities of physical facilities and corporate infrastructure and the condition of the surrounding environment provide tangible evidence of services provided by service providers, such as physical facilities (buildings, waiting rooms, parkings), equipment and personnel; 2. Reliability, the capacity of the company to provide services as promised to the clients. In this context, Allah the Almighty wants each individual to keep the promises that have been made; 3. Responsiveness (responsiveness), an ability to provide fast and precise service to the customers, by conveying clear information or not letting customers wait too long without any clarity and providing solutions to customer problems quickly according to what was promised; 4. Competence, having the skills and knowledge needed for the employees (Spillane, 2006).

Religiosity Definition
Religiosity consists of various aspects or dimensions which happens when a person perfomrs ritual behavior (worship) as well as he performs other activities driven by supernatural powers (Ancok, 2008). According to Irham (2018), religiosity is the attitude of a person to live by the values they believe in. In the context of Islam, religiosity is implicitly inserted in the process of carrying out religious teachings in a kaffah or comprehensive manner. Thus, religiosity is the depth of his religious appraisal and belief in the existence of God that manifests itself in obeying orders and avoiding prohibitions without questions.

Dimensions of Religiosity
According to Glock and Stark in Ancok and Suroso (2008), there are 5 dimensions of religiosity in the context of Islam, namely: 1. Belief (ideological), the extent of a person's acceptance of dogmatic things in his religion. This dimension consists of the hope that religious people hold fast to certain theological views and acknowledge the truth of the doctrine. By itself, this dimension of belief demands the practice of worship as Islam taught. 2. Religious Ritual, the extent to which a person fulfills ceremonial obligations in their religion. This dimension includes cult behavior, obedience and the things that people do to show their commitment to their religion. The manifesting of this dimension is the conduct of certain religious communities in carrying out rituals related to religion; 3. Experience (experiential), feelings or experiences that have been experienced and felt. This dimension refers to the identification of the consequences of his day to day religious beliefs, practices, experiences and knowledge:

Interest Definition
According to the Indonesian Dictionary (2001), interset is defined as a strong inclination of heart toward a passion or desire. According to Shah (2004), interest is a positive attitude from someone towards something that is done with feelings of pleasure and enthusiasm so that it can be accepted without letting it go. Thus, interest is a high tendency, or a high activity or, a great desire for something as the interpretation of the feeling of love that arise from those activities.

Factors Affecting Interest
The following factors are considered to influence the emergence of interest (Crow. 2018): 1. The factor of the person's needs. Looking at the needs that arise from within the individual, is a factor associated with physcal impulses, motives, defending oneself from hunger, fair, pain, and curiosity that generates interest in research; 2. Social motive factors, leading to environmental adaptation in order to be accepted and recognized by the environment or activities to address social needs, such as work, acquiring status, attracting attention and appreciation; 3. Emotional drivers or feelings, Interest that are closely linked to feelings or emotions, successful activities that are guided by interest will bring a sense of pleasure and enhance existing interest; otherwise, failure will diminish the interest of the individual.

RESEARCH METHODS
The research employed a descriptive quantitative research. It is a method of analyzing numerical data or numbers that are processed using statistical methods (Suranto, 2019). The research was conducted at Islamic Boarding School Al-Kautsar, located in Pekanbaru, Riau.

Population and Sample
The population included in this study was all teachers in the Islamic Boarding School Al-Kautsar Pekanbaru which amounted to 54 people. The sample is part of the number and features of the population (Sugiyono, 2013). The whole population was sampled using the aggregate sampling technique.

Validity test
Validity test was used to examine the truth and the validity of the research instrument used or to find out whether a questionnaire is valid or not. Questionnaire items are considered to be valid if the instrument is able to measures the validity test of a variable. It is valid if the value is greater than 0.05 or 5% (Sanusi, 2017).

Reliability Test
The reliability was tested by using the Cronbach Alpha technique. The instrument is considered reliable when its reliability ratio is >0.6 (Siregar, 2014). Reliability test was employed to ensure that the instrument used was reliable and trustworthy.

Simultaneous Test (F Test)
The F test is conducted to determine the effect of the independent variables on the dependent variable (Riduwan, 2014). The F test basically shows whether all independent variables included in the model affect the dependent variable. The F-test was used to investigated the influence of independent variables, both quality and religiosity factors on the dependent variable, interest on savings.

Coefficient of Determination Test (R2)
To regulate how big the contribution of the X variable to the Y variable, the multiple determination coefficient test (Adjusted R2) is used. The coefficient of determination (Adjusted R2) is a quantity that shows how much change in the dependent variable (Y) can be influenced by the independent variable (X). (Riduwan, 2014). The coefficient of determination (R²) test essentially measures how far the model's ability to explain the variation of the independent variables is.

Multiple Linear Regression Analysis
In analyzing the problems and the hypotheses of this study, the multiple linier regression analyses (multiple regression) was used in this study. The formula is as follows: Y=a+b1X1+b2X2 Notes: Y= Interest in Saving a= Constant b= Regression Coefficient X1= Service Quality X2= Religiosity

Partial Test (t Test)
The t-test was conducted to determine the effect of each independent variable on the dependent variable (Riduwan, 2014 Based on the above table, the total number of respondents was 54 people based on the following indicators: Firstly, respondents based on gender indicate that none of them were female, meaning teachers who teach at Pondok Modern Al-Kautsar Pekanbaru were all female. Secondly, respondents based on age level, the most dominant age was 20 to 30 (46.30%), followed by the age of 30 to 40 (27.78%), the age of > 40 (14.81%) and the age of <20 (11.11%) respectively. Thirdly, respondents based on their academic qualification showed that the majority of the respondents were bachelor degree with 42.60% or 23 people. The second majority of the respondents were teachers who only held secondary education qualification with 33,33% or 18 people. Currently they are pursuing bachelor degree at various universities in Pekanbaru. The last were teachers with master or Ph.D qualification with13 persons or 24.07%.

Validity Test
The validity of the instrument was tested by examining the Corrected Item-Total Correlation formula with a significant level of α=0.005 which shows that an item is valid with a significant correlation with the total score. If the r count > r table, the items are also valid. However, if the r count < r table, the items are considered in valid. Details are presented as follows: The above validity test shows that the value of r table is 0.279 which is smaller than the r value the Corrected Item-Total Correlation. Thus, all items are considered valid and feasible to be analyzed.

Reliability Test
The reliability test was measured by examining the Cronbach Alpha. The items are considered valid if it has a reliability coefficient of > 0.60. The details are as follows: Based on the above table, the coefficient value of Adjusted R Square is 0.726. It means that the contribution of the variation of the independent variables (quality of service and religiosity) is able to explain the variation of the dependent variable (interest for savings) at 72.6%, while the remaining 27.4% is influenced by other variables which are not included in this study. Source: SPSS Processed Data (2021) If the value is smaller than the alpha (0.05), then the variable is positively affecting the dependent variable. The result of the t-test showed that the t-count values for quality service (X1) and religiosity (X2) are: a. The t-count value of X1 (service quality) is 5.365 and the t-table value is 1.671 with a 0.05 significant level. Thus, t-count> ttable or 5.365>1.671, shows that the Ha is accepted and the Ho is rejected with a significant level of 0.05 (0.000<0.05). Therefore, statistically there is a positive and significant effect between service quality and interest in saving. b. The t-count value of X2 (Religiosity) is 3.521 and the t-table is 1.671 with a 0.05 significant level. Thus, t-count>t-table or 3.521>1.671, shows that the Ha is accepted and the Ho is rejected with a significamt level of 0.05 (0.002>0.05). Thus, statistically there is a positive and significant effect between religiosity on saving interest. c. Partially it is seen that the service quality (X1) with 5.365 dominantly affect the interest saving (Y)/

DISCUSSION
This study aims to examine the effect of service quality and religiosity on teachers' interest in saving which determining teachers decision at Al-Kautsar Islamic Boarding School, to save their money at Islamic banks. It is explained as follows:

Effect of Quality Service on Saving Interest
Findings from the study showed that quality service significantly affected the interest in saving. The statistical analyses identified that the t-value of the service quality variable was 5.365 with a significance level of 0.000 <0.05. It proves that the quality of service positively and significantly affected teachers' interest to save their money in Islamic banks.
The result of this study also confirms the research conducted by Siti Fatimatu Zahro (2019) which found the positive effect of bank's product, quality service, religious values, as well as the trust to save money at the BRISyariah bank of Demak. The service quality has a coefficient value of 0.152 and a t-test value of 3.215 with a significance value of 0.002.
The services provided by Islamic banks will be very influential for customers in choosing the bank. The factor that determines the level of company's success is the bank's ability to provide good services to customers. The services provided by Islamic banks will be noticed and compared by the public or customers to the services provided by the other banks.