Architectural Analysis of the Repository Pattern in Web-Based Credit Score Conversion Assessment System Based on PermenPAN-RB No. 1 of 2023

PermenPAN-RB Regulation No. 1 of 2023 introduced a major shift in functional position assessment by emphasizing performance predicate conversion in credit score evaluation, which increases architectural demands on supporting information systems. In practice, many assessment systems remain tightly coupled and difficult to evolve when regulatory rules, integration sources, or reporting formats change. This paper presents an architecture-oriented analysis of a web-based credit score conversion assessment information system that applies the Repository Pattern as a core architectural mechanism to decouple business logic from persistence, integration, and document-generation concerns. The analysis adopts a scenario-based evaluation approach inspired by the Architecture Tradeoff Analysis Method (ATAM) and is grounded in the ISO/IEC 25010 software quality model, focusing on maintainability, modifiability, testability, scalability, and reliability. Architectural evaluation is conducted by examining layered boundaries, repository abstractions, and dependency injection mechanisms under representative regulatory-driven change scenarios, including rule adjustments, data integration extensions, and reporting modifications. The results demonstrate consistent change localization across architectural layers, where rule changes are confined to service modules, integration changes are absorbed by repository adapters, and reporting changes remain isolated within document-generation components. These findings show that repository-based architectures significantly reduce coupling, improve change isolation, and support the sustainable evolution of government information systems operating under dynamic regulatory environments.