Translate the text from Welsh to English.



 
Mae undebau credyd yn sefydliadau nid\-er\-elw sydd ym mherchnogaeth y bobl sy’n defnyddio eu gwasanaethau, yn hytrach na rhanddeiliaid allanol neu fuddsoddwyr.


Mae undebau credyd yn ymwneud â chymunedau ar hyd a lled y wlad ac yn cyfrannu at yr economi ac at les ariannol yr aelodau, a all gynilo mewn modd diogel a benthyg arian ar gyfradd llog fforddiadwy.


Ar ymweliad ag Undeb Credyd Caerdydd a’r Fro ochr yn ochr â’r Gweinidog Cyfiawnder Cymdeithasol, dywedodd y Prif Weinidog, Mark Drakeford:



> “Gall yr adeg hon o’r flwyddyn fod yn arbennig o anodd gan fod rhaid i bobl yn awr ddelio â chostau’r Nadolig.
> 
> 
> “Y gaeaf hwn yn enwedig, yn ystod argyfwng costau byw digynsail, gwyddom fod llawer yn ei chael yn anodd iawn. Yn anffodus bydd benthycwyr arian didrwydded a benthycwyr stepen drws llog uchel yn targedu’r rhai sy’n wynebu anawsterau ariannol.
> 
> 
> “Rwy’n annog y rhai mewn angen i fynd at eu hundebau credyd lleol, sy’n gallu cynnig credyd teg a fforddiadwy – gan ategu ein taith i hybu cyfiawnder cymdeithasol a threchu tlodi yng Nghymru.”


Gall undebau credyd helpu’r rhai a allai yn draddodiadol ei chael yn anodd cynilo drwy gynnig cynlluniau fel didyniadau o’r gyflogres. Maent hefyd yn cynnig cynlluniau cynilion Nadolig sydd ond yn caniatáu tynnu arian yn y cyfnod sy’n arwain at yr ŵyl, gan helpu ar adeg o’r flwyddyn sy’n aml yn heriol.


Ychwanegodd y Prif Weinidog:



> “Bydd llawer ohonom ddim eisiau hyd yn oed meddwl am y Nadolig nesaf, ond gallai nawr fod yr amser perffaith i ystyried dechrau cynilo. Gall undebau credyd wneud y broses honno’n haws.”


Mae Llywodraeth Cymru yn rhoi cyllid refeniw i unedau credyd i sicrhau y gallant ddatblygu llu o brosiectau mewn cymunedau gyda’r nod o gael rhagor o aelodau.


I amlygu pwysigrwydd unedau credyd yng Nghymru, fe wnaeth Gweinidogion yng Nghabinet Llywodraeth Cymru gymryd rhan mewn ymweliad wedi’i gydlynu ar hyd a lled y wlad, gan godi ymwybyddiaeth o’r gwasanaethau maent yn eu darparu, sy’n cynnwys benthyca fforddiadwy.


Dywedodd y Gweinidog Cyfiawnder Cymdeithasol, Jane Hutt:



> “Rwy’n annog y rhai sy’n ei chael yn anodd ac yn cael eu temtio i ddefnyddio credyd cost uchel i droi at eu hundebau credyd lleol fel dewis cyfrifol yn lle mathau eraill o fenthyciadau.
> 
> 
> “Mae’n amlwg fod unedau credyd Cymru yn gweithio’n galed iawn a hoffwn ddiolch iddynt am eu hymrwymiad i ddarparu cynilion moesegol a benthyciadau fforddiadwy.
> 
> 
> “Maent wir yn achubiaeth i bobl ledled Cymru.”







Translation:


 
Credit Unions are not\-for\-profit, and owned by the people who use their services, rather than by external shareholders or investors.


Actively involved in communities throughout Wales, credit unions contribute to the economy and the financial wellbeing of members, who can save safely and borrow at an affordable rate of interest.


On a visit to Cardiff and Vale Credit Union alongside the Minister for Social Justice, the First Minister, Mark Drakeford said:



> “This time of year can be particularly difficult as people are left to deal with the cost of Christmas.
> 
> 
> “We know this winter especially, during an unprecedented cost of living crisis, many are finding it very tough and, sadly, high interest doorstep lenders or loan sharks will prey on those suffering financial difficulties.
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> 
> “I would urge those struggling to turn to their local credit union, which can provide access to fair and affordable credit – in support of our journey to promote social justice and tackle poverty across Wales.”


Credit unions can help those who might traditionally find it difficult to save through offering schemes such as payroll deductions. They also offer Christmas savings schemes that only allow withdrawals in the lead up to the festive season, which helps at an often\-difficult time of year.


The First Minister added:



> “While many of us may not even want to think about next Christmas, now could be the perfect time to consider starting to save. Credit unions can make that process easier.”


The Welsh Government provides credit unions with revenue funding to ensure they can develop a host of projects in communities aimed at boosting membership.


In a clear demonstration of the importance of credit unions in Wales, Ministers within the Welsh Government Cabinet took part in a coordinated visit across the length and breadth of the country, raising awareness of the services they provide, which includes ethical and affordable lending.


Social Justice Minister Jane Hutt said:



> “I would urge those who might be struggling and tempted to use high\-cost credit to use their local credit union as a responsible alternative to other forms of lending.
> 
> 
> “It is clear Welsh credit unions work incredibly hard, and I’d like to thank them for their commitment to providing ethical savings and affordable loans.
> 
> 
> “They truly are a lifeline to people all across Wales.”