Mae ein hymrwymiad i hyrwyddo cynhwysiant ariannol i bobl yng Nghymru wedi’i adlewyrchu yn y cyllid o £10.7 miliwn sy’n cael ei ddarparu gennym ar gyfer y Gronfa Cymorth Dewisol a'r undebau credyd. I rai o'r bobl fwyaf agored i niwed yng Nghymru, mae'r gwasanaethau hyn yn lleihau eu dibyniaeth ar wasanaethau credyd llog uchel ac yn cynyddu eu mynediad i wasanaethau ariannol mwy priodol a fforddiadwy.  Rwy'n hynod gefnogol i undebau credyd ac rwy'n ymwybodol o'r gwaith rhagorol sy'n cael ei wneud ganddynt ledled Cymru i ddarparu mynediad i gynilion a chredyd fforddiadwy, sy’n lliniaru’r cynnydd yn y dyledion na ellir eu rheoli. Mae undebau credyd yn ddewis cyfrifol a moesegol yn lle benthycwyr diwrnod cyflog, sy’n cynnig cynilion a benthyciadau fforddiadwy i bob aelod o'r gymuned. Ers mis Mawrth 2018, mae Llywodraeth Cymru wedi darparu mwy na £1 miliwn o gyllid i undebau credyd yng Nghymru ar gyfer prosiectau i hybu cynhwysiant ariannol, gallu ariannol a lles ariannol. Nod y prosiectau hyn yw cynyddu aelodaeth undebau credyd, gan gynnwys gweithio gyda chyflogwyr ledled Cymru i gynnig cynlluniau cynilo cyflogres i gefnogi lles ariannol staff. Rwyf yn gefnogwr mawr o gynilo gydag undeb credyd i sicrhau cynilion wrth gefn, pa mor fach bynnag yw’r swm, ac yn gobeithio y bydd mwy o bobl yn troi at undebau credyd yn hytrach na chael credyd na allant ei fforddio.
Our commitment to promoting financial inclusion for people in Wales is reflected through the £10.7million funding we provide for the Discretionary Assistance Fund and credit unions. For some of the most vulnerable people in Wales, these services reduce their reliance on high interest credit services and increase their access to more appropriate and affordable financial services.  I am incredibly supportive of credit unions and am aware of the excellent work delivered by credit unions across Wales to provide access to affordable credit and savings thus mitigating the increasing rate of unmanageable debt. Credit unions are a responsible and ethical alternative to payday lenders, offering savings and affordable loans for all members of the community. Since March 2018 Welsh Government has provided more than £1 million of funding to credit unions in Wales to deliver projects to boost financial inclusion and financial capability and financial well-being. The projects are aimed at increasing membership of credit unions, including working with employers across Wales to offer payroll savings schemes to support the financial wellbeing of staff. I am a great supporter of saving with a credit union, building a savings buffer, however small, and hope that more people turn to credit unions rather than taking out unaffordable credit.