Translate the text from Welsh to English.



 
Rhoddir mwy na £844,000 i Undebau Credyd ledled Cymru dros gyfnod o ddwy flynedd ar gyfer prosiectau i helpu pobl sy'n ei chael hi'n anodd ymdopi'n ariannol. Mae'r prosiectau hyn yn cynnwys:

* cynllun cynilo i garcharorion, o dan ofal Undeb Credyd Pen\-y\-bont ar Ogwr;
* prosiect cydweithredol sy'n cael ei arwain gan Undeb Credyd Pen\-y\-bont ar Ogwr i ddatblygu ap ar gyfer ffonau symudol a fydd o fantais i chwe undeb credyd.
* parhau â phrosiect addysgu sgiliau cynilo ac ariannol mewn ysgolion, sy'n cael ei redeg ar y cyd gan Undeb Credyd Pen\-y\-bont ar Ogwr ac Undeb Credyd Caerdydd a'r Fro;
* Undeb Credyd Celtic i ehangu ei brosiectau ymgysylltu â'r gymuned, a chynilo i ddisgyblion ysgol, yn Abertawe a Chastell\-nedd Port Talbot;
* hyrwyddo gwasanaethau Undeb Credyd Cambrian fel opsiwn arall i gredyd costau uchel;
* Undeb Credyd Cambrian i sefydlu gwasanaethau maes mewn rhannau gwledig o Bowys.

Dywedodd Rebecca Evans, y Gweinidog Tai ac Adfywio:


> “Mae undebau credyd yng Nghymru yn darparu addysg sy'n codi ymwybyddiaeth ariannol ymysg oedolion a phlant. Maen nhw'n rhoi sgiliau i bobl allu gwneud penderfyniadau ariannol da, ac osgoi benthycwyr anghyfrifol. Maen nhw hefyd yn helpu pobl sy'n ceisio ymdopi â dyledion, a hefyd maen nhw’n cynnig gwasanaethau ariannol cadarn i rai o'n pobl fwyaf agored i niwed, a’r rheini’n wasanaethau y byddai'r bobl hynny yn ei chael hi'n anodd cael mynediad atyn nhw fel arall.”

Dywedodd Alun Davies, Ysgrifennydd y Cabinet dros Lywodraeth Leol: 


> “Rydyn ni i gyd yn gwybod am y rôl bwysig y mae undebau credyd yn ei chwarae drwy helpu pobl sy'n ei chael hi'n anodd rheoli eu harian.
> 
> “Mae eu gwasanaethau yn arbennig o ddefnyddiol i garcharorion, gan eu bod yn caniatáu iddyn nhw adael y carchar gyda chynilion a chyfrif undeb credyd. Gall hynny wella'r posibilrwydd y bydd cyn garcharorion yn integreiddio yn ôl i mewn i gymdeithas, gan y gallant eu defnyddio i dalu eu rhent a derbyn eu cyflog pan fyddan nhw'n cael swydd \- sef ffactorau pwysig sy'n helpu i atal aildroseddu.”







Translation:


 
Credit Unions across Wales will receive over £844,000 of funding over two years for projects that support people who are struggling financially. Projects include:


 


* a prison savers scheme run by Bridgend Credit Union;
* a collaborative project led by Bridgend Credit Union to develop a mobile banking app to benefit six credit unions;
* the continuation of a joint schools savings and money skills project by Bridgend Credit Union and Cardiff \& Vale Credit Union;
* Celtic Credit Union expanding their community engagement and school savers projects in Swansea and Neath Port Talbot;
* work to promote Cambrian Credit Union services as an alternative to high\-cost credit; and
* outreach services to be set up by Cambrian Credit Union in rural parts of Powys.


 


Rebecca Evans, Minister for Housing and Regeneration said: 



> “Credit unions in Wales deliver financial awareness education to adults and children. They help to equip people to make good financial choices, and avoid irresponsible lenders. They support people dealing with debt problems, and provide some of the most vulnerable people with sound financial products that they would struggle to access elsewhere.”


Alun Davies, Cabinet Secretary for Local Government said:



> “We all know the important role credit unions play in helping people who are struggling to manage their money. 
> 
> 
> “This is particularly useful to prisoners, allowing them to leave custody with savings and a credit union account. This can help former prisoners reintegrate into society, for example, making it easier for them to pay their rent and to receive wages from employment – all important factors in reducing reoffending.”