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so there is this issue of indebtedness and the fact that that happened meant the company was too reliant on water profits
felly , mae mater o ddyled , ac mae'r ffaith bod hynny wedi digwydd wedi golygu bod y cwmni'n rhy ddibynnol ar elw o wasanaethau dwr
there are no grounds for believing that current levels of indebtedness are having a material adverse effect on the welsh economy
nid oes sail i gredu bod lefelau cyfredol o orddyled yn cael effaith andwyol sylfaenol ar economi cymru
it is never too soon for young people to learn how to fend off this problem of indebtedness when credit seems terribly easy and when there are so many different ways of obtaining loans
nid yw byth yn rhy gynnar i bobl ifanc ddechrau dysgu sut i ochel y broblem hon o ddyledusrwydd pan yw credyd yn ymddangos yn ddewis hawdd a phan fo cynifer o wahanol ddulliau i gael benthyciadau
the first minister : we are concerned about over-indebtedness , which can have substantial costs for individuals and our wider society
y prif weinidog : yr ydym yn bryderus ynghylch gorddyled , a all beri costau sylweddol i unigolion ac i'n cymdeithas yn gyffredinol
as well as acknowledging that i am a graduate of cardiff's medical school , i register my indebtedness to it for the standard of that education that has made me such a well-rounded individual
yn ogystal â chydnabod fy mod yn un o raddedigion ysgol feddygol caerdydd , nodaf fy nyled iddi am safon yr addysg honno a'm gwnaeth yn unigolyn mor gytbwys
in december 2003 , edwina hart , the minister for social justice and regeneration , and her deputy minister , huw lewis , undertook a review to consider the scale and nature of over-indebtedness in wales
yn rhagfyr 2003 , ymgymerodd edwina hart , y gweinidog dros gyfiawnder cymdeithasol ac adfywio , a'i dirprwy weinidog , huw lewis , ag adolygiad i ystyried maint a natur gorddyled yng nghymru
do you share concern at the growing levels of credit use and over-indebtedness in wales , especially among those already in poverty ? would you encourage people having difficulties to seek assistance from organisations such as citizens advice bureaux , and to use community-based , low-cost borrowing , such as credit unions , rather than the buy-now , pay-much-more-later-on of many other credit schemes ? do you also agree that more research needs to be done to map the nature , extent and causes of over-indebtedness in wales ?
a ydych yn rhannu'r pryder am y cynnydd yn y defnydd o gredyd ac am lefel yr orddyled yng nghymru , yn enwedig ymysg y rhai sydd eisoes mewn tlodi ? a wnewch annog y rhai sydd mewn trafferthion i geisio cymorth gan gyrff fel cyngor ar bopeth , ac i ddefnyddio dulliau rhad , cymunedol o fenthyca , fel yr undebau credyd , yn hytrach na'r dull o brynu'n awr a thalu llawer mwy yn ddiweddarach a gynigir gan lawer o gynlluniau credyd eraill ? a ydych hefyd yn cytuno bod angen gwneud mwy o ymchwil i fesur natur , graddau ac achosion gorddyled yng nghymru ?
