--- ruby-3.1.0/tool/rbinstall.rb
+++ ruby-3.1.0.mod/tool/rbinstall.rb
@@ -956,7 +956,7 @@
 end
 
 def install_default_gem(dir, srcdir, bindir)
-  gem_dir = Gem.default_dir
+  gem_dir = "@TERMUX_PREFIX@/lib/ruby/gems/@RUBY_API_VERSION@"
   install_dir = with_destdir(gem_dir)
   prepare "default gems from #{dir}", gem_dir
   RbInstall.no_write do
@@ -1010,7 +1010,7 @@
 end
 
 install?(:ext, :comm, :gem, :'bundled-gems') do
-  gem_dir = Gem.default_dir
+  gem_dir = "@TERMUX_PREFIX@/lib/ruby/gems/@RUBY_API_VERSION@"
   install_dir = with_destdir(gem_dir)
   prepare "bundled gems", gem_dir
   RbInstall.no_write do