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edrychaf ymlaen i weld y mudiad undebau credyd yng nghymru yn datblygu a ffynnu , gan gyflwyno ei ymagwedd gydfuddiannol unigryw i lawer o bobl , nad oes ganddynt fynediad cyfartal i wasanaethau ariannol ar hyn o bryd
i look forward to seeing the credit union movement in wales develop and flourish , bringing with it its unique , mutual approach to many people , who today lack an equitable access to financial services
mae cyflwr y stoc dai cymdeithasol yn peri problem , a galwaf eto am gael dewisiadau eraill yn ogystal â throsglwyddo stoc a'r gymdeithas gydfuddiannol gymunedol , er bod y dewis hwn ar gael ar hyn o bryd
the condition of the social housing stock is a problem , and i repeat the call for alternatives to stock transfer and the community mutual , even though this is an option at present