svn commit failed

I'm new to subversion, I created a repository on a local server,imported
some files to the repository, edited svnserve.conf andpasswd files as
suggested in the docs, then checked out a copy of the files to my pc.
After changing one of the files I tried commiting the change using
svnserve as follows :
svn commit -m "1st change to file"
It failed and gave the following error :
svn: Can't create directory '/home/svn-repos/db/transactions/5-1.txn':
Permission denied

Using subversion 1.3.0 on Linux centOS

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Received on Thu Feb 16 13:10:28 2006