“We set up an Agile service team to look at how we can create less debt, have less people in debt, and for people to spend less time in debt.
"Fe wnaethon ni sefydlu tîm gwasanaeth Ystwyth i edrych ar sut y gallwn ni greu llai o ddyled, cael llai o bobl mewn dyled, ac i bobl dreulio llai o amser mewn dyled.