if i want to offer subversion, i have to allow ssh?

I found it on google as well and also found several reference to web interface(s). Search on Google and see if you can use one of the web interfaces.
 
You definitely don't need to offer SSH access, but only someone with SSH access can create new repositories. I have it set up for my clients where they request a setup from me, then I send them their login info. I use the native daemon provided by SVN, so no need to hook it up to apache via DAV (which is complicated and might lead to instability, plus I just never needed to bother with it, since it works just fine this way for me).
 
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