diff --git a/BankingPersistence/src/jvmMain/kotlin/net/codinux/banking/persistence/BankingRepository.jvm.kt b/BankingPersistence/src/jvmMain/kotlin/net/codinux/banking/persistence/BankingRepository.jvm.kt
index 14f5458..66e79d7 100644
--- a/BankingPersistence/src/jvmMain/kotlin/net/codinux/banking/persistence/BankingRepository.jvm.kt
+++ b/BankingPersistence/src/jvmMain/kotlin/net/codinux/banking/persistence/BankingRepository.jvm.kt
@@ -6,6 +6,9 @@ import app.cash.sqldelight.db.SqlDriver
 import app.cash.sqldelight.db.SqlSchema
 import app.cash.sqldelight.driver.jdbc.sqlite.JdbcSqliteDriver
 import java.io.File
+import java.nio.file.Files
+import kotlin.io.path.Path
+import kotlin.io.path.absolutePathString
 
 
 val dataDirectory: File = determineDataDirectory()
@@ -27,10 +30,11 @@ actual fun createSqlDriverDriver(dbName: String, schema: SqlSchema<QueryResult.A
 
 
 private fun determineDataDirectory(): File {
-    val currentDir = File(System.getProperty("user.dir"))
+    val currentDir = Path(System.getProperty("user.dir"))
 
-    val dataDir = if (currentDir.canWrite()) { // if the current directory is writable, use that one (the default for development)
-        File(currentDir, "data")
+    // if the current directory is writable, use that one (the default for development)
+    val dataDir = if (Files.isWritable(currentDir)) { // couldn't believe it, but java.io.File returned folder is writable for "C:\\Program Files\\"
+        File(currentDir.absolutePathString(), "data")
     } else { // otherwise use .bankmeister dir in user's home dir (the default for releases)
         val userHome = System.getProperty("user.home")
         File(userHome, ".bankmeister")