Optimizing Software Development through Data Access Speed using Object-Relational Mapping (ORM) on Credit Risk Application

This study presents an examination of the implications of integrating Object-Relational Mapping (ORM) in credit risk software development. ORM is a software layer that allows developers to work with databases using object-oriented code and concepts, rather than writing raw SQL queries. It provides a set of classes and methods that enable the creation, retrieval, update, and deletion of data in a database using familiar programming constructs like classes, objects, and methods. For a case study, we use credit risk software development with Indonesia macroeconomic data. Two distinct experiments were conducted to assess the advantages and trade-offs associated with ORM implementation, both during mid-project and at the project's inception. The findings reveal intriguing insights into the impact of ORM on code execution time, security, and code maintainability. The study concludes that the decision to implement ORM hinges on project-specific needs and the state of the database structure. While ORM may pose minor performance trade-offs, its long-term advantages in code quality, security, and scalability underscore its value. Thus, the timing of ORM integration should align with project objectives to strike a balance between performance optimization and code quality.