Translate the text from Welsh to English.



 
Mae mynd i’r afael ag allgau ariannol yn flaenoriaeth allweddol i Lywodraeth Cymru. Mae hyn yn bwysicach fyth yn ystod cyfnodau o ansicrwydd economaidd pan fo angen rhoi blaenoriaeth i anghenion ein trigolion tlotaf a diogelu’r bobl sydd fwyaf agored i dlodi a chael eu hymyleiddio. Heddiw, rwyf yn lansio diweddariad o Strategaeth Cynhwysiant Ariannol Llywodraeth Cymru, a gyhoeddwyd am y tro cyntaf yn 2009\.

Yn ystod y blynyddoedd diwethaf, mae hinsawdd economaidd y Deyrnas Unedig wedi cael effaith uniongyrchol ar allu llawer o deuluoedd yng Nghymru i reoli eu hincwm. Mae diwygiadau Llywodraeth y Deyrnas Unedig i’r system les hefyd yn cael effaith sylweddol ar incwm llawer o deuluoedd. Golyga hyn oll fod gwasanaethau cynghori ar ddyledion ac arian yn dod yn agweddau mwyfwy allweddol yn y frwydr barhaus yn erbyn allgau ariannol a gor\-ddyled yng Nghymru. Er na allwn warchod pobl Cymru rhag y ffactorau allanol hyn yn llwyr, bydd y mesurau yr ydym wedi’u datblygu, ac y byddwn yn parhau i’w datblygu, yn helpu pobl sy’n ei chael hi’n anodd cadw dau ben llinyn ynghyd.  

I gyd\-fynd â’r sefyllfa gyfredol, rydym wedi diweddaru’r Strategaeth Cynhwysiant Ariannol, a hynny drwy gydweithio â rhanddeiliaid allweddol. Mae’r Strategaeth yn nodi ein huchelgais o gefnogi system ariannol gynhwysfawr sy’n gweithio’n dda ac sy’n system y gall pawb fanteisio arni. Mae’r Strategaeth hefyd yn nodi sut y bydd Llywodraeth Cymru’n cydweithio â sefydliadau partner i’w gwneud hi’n haws i bobl fanteisio ar gredyd fforddiadwy a gwasanaethau ariannol a hefyd elwa ar wybodaeth ariannol, gan gynnwys cyngor ar ddyledion. Sail hyn yw’r angen am allu ariannol gwell yng Nghymru, er mwyn i’r bobl sydd mewn dirfawr angen allu datblygu’r hyder, y gallu a’r cymhelliant i reoli eu sefyllfa ariannol yn well ac i wneud gwell penderfyniadau ariannol.

Bydd y Strategaeth yn adeiladu ar y gwaith wedi ymgymryd ag ef ers 2009\. Er enghraifft, rydym wedi parhau i gefnogi gwasanaethau cynghori rheng flaen a hefyd wedi sefydlu Rhwydwaith Cynghori Cenedlaethol i sicrhau dull mwy cydlynol o gyflenwi gwasanaethau. Rydym hefyd wedi datblygu cynllun mwy hirdymor ar gyfer gwasanaethau cynghori o safon yng Nghymru, yn seiliedig ar wybodaeth am fylchau yn y ddarpariaeth bresennol ac anghenion pobl. 

Rydym hefyd wedi parhau i gefnogi Undebau Credyd wrth iddynt geisio hybu benthyca moesol a chyfrifol i bobl a fyddai, fel arall, wedi’u hallgáu’n ariannol. Yn ogystal â hyn, rydym wedi cyflwyno trefniadau, drwy ein Cronfa Cymorth Dewisol, i ddiogelu pobl sy’n wynebu argyfwng drwy ddarparu taliadau grant bychan iddynt. 

  
Gallwch weld dogfennau perthnasol yr ymgynghoriad ar lein. 

Gofynnwn ichi ymateb i’r ymgynghoriad hwn drwy lenwi ffurflen ar\-lein.   

  
  






Translation:


 
 


 


 


Tackling financial exclusion is a key priority for the Welsh Government, especially during times of economic uncertainty when it becomes increasingly important to prioritise the needs of the poorest and protect the most vulnerable against poverty and marginalisation. Today, I am launching a refreshed version of the Welsh Government’s Financial Inclusion Strategy, which was first published in 2009\.


In recent years, the economic climate in the UK has had a direct impact on the ability of many Welsh families to manage their household incomes. Combined with benefit reforms being introduced by the UK Government, debt and money advice services are becoming an essential factor in the ongoing battle against over\-indebtedness and financial exclusion in Wales. Although we are unable to wholly insulate the people of Wales from these pressures, the measures we have developed and will continue to develop, will help those who have been struggling financially.


To keep pace with these changes, we have worked with key stakeholders to refresh the Strategy, which sets out our ambition to support a comprehensive and well functioning financial system in Wales, accessible to all.  It also sets out how the Welsh Government will  work with partner organisations to help improve access to affordable credit and financial services and access to financial information, including debt advice.  This will be underpinned by the need to improve financial capability in Wales, so  people in most need can develop the confidence, ability and motivation to better manage their financial affairs and make more informed financial decisions.


The Strategy will build on work undertaken since 2009\.  For example, we have continued to support front line advice services, but also established a National Advice Network to provide a more co\-ordinated approach to service delivery and to develop a longer term plan for quality advice services in Wales, based on information about gaps in provision and people’s needs.


We have also continued to support Credit Unions as they strive to promote ethical and responsible lending to those who would be otherwise financially excluded. In addition, we have introduced arrangements, through our Discretionary Assistance Fund, to safeguard people in crisis by making available small value grant payments to people most in need.


  

The consultation documents can be accessed online.


Please respond to this consultation by completing an on\-line form, which can be accessed online.