A Letter from the Deputy Minister Hannah Blythyn to Employers across Wales


Mae Hannah Blythyn, y Dirprwy Weinidog Tai a Llywodraeth Leol yn Llywodraeth Cymru wedi anfon y llythyr canlynol at gyflogwyr ledled Cymru:

Hannah Blythyn AS
Y Dirprwy Weinidog Tai a Llywodraeth Leol
Bae Caerdydd
Caerdydd
CF99 1SN

Mawrth 23 2021

Annwyl Gyflogwr
Mae pandemig y Coronafeirws wedi amlygu a gwaethygu natur fregus ariannol pobl yn ein cymunedau. Ni fu erioed amser gwell nag yn awr i roi ystyriaeth lawn i les ariannol ein gweithlu.

A gallwn gyflawni hynny drwy sicrhau bod cadernid ariannol yn cael ei integreiddio yn ein gweithlu a’n cymunedau.

Mae’r Sefydliad Siartredig Personél a Datblygiadau (CIPD) yn datgan y gall lles ariannol
gwael achosi:
 Lefelau uwch o ran straen a phryder;
 Iechyd meddwl a chorfforol gwaeth;
 Lefelau is o ran cynhyrchiant staff;
 Perfformiad gwaeth yn y swydd;
 Llai o allu i ganolbwyntio;
 Mwy o debygolrwydd o absenoldebau.

Mae Llywodraeth Cymru yn parhau i ymrwymo i wella gallu a chadernid ariannol pobl, a chredaf fod gan gyflogwyr rôl hanfodol o ran helpu eu staff i feithrin mwy o gadernid ariannol.

Gall cynlluniau cynilo cyflogres a gynigir gan gyflogwyr helpu pobl i gael rhwyd diogelwch ariannol a all eu galluogi i wrthsefyll ergydion tymor byr.

Yng Nghymru, mae gennym 16 o undebau credyd ac y mae pob un ohonynt yn cynnig cynilion a benthyciadau drwy eu swyddfeydd neu ar-lein.

Mae Llywodraeth Cymru wedi cefnogi a gweithio gydag undebau credyd ers blynyddoedd lawer ac yn ystod y cyfnod hwn rwyf wedi gweld undebau credyd yn tyfu o fod yn sefydliadau llawr gwlad bach i fod yn ddarparwyr cynilion a benthyciadau blaenllaw a moesegol sydd â’r cyrhaeddiad ehangaf yng Nghymru.

Partneriaid cyflogres yw’r cyflogwyr hynny sy’n gweithio gyda’u hundeb credyd lleol i gynnig amrywiaeth o wasanaethau ariannol i’r gweithlu fel rhan o’u cyflogaeth.

Mae’r bartneriaeth gyflogres – ac mae’n rhad ac am ddim i fod yn bartner ynddi – yn cyflwyno staff i ystod o wasanaethau ariannol a gynigir gan undebau credyd.

Drwy’r cynllun cynilo cyflogres, mae staff yn pennu’r swm y maent am ei gynilo ac mae’r swm hwnnw’n cael ei ddidynnu o’r gyflogres bob mis a’i roi mewn cyfrif cynilo cyn iddynt gael cyfle i’w wario.

Yna, mae’r staff yn gallu gofyn am godi arian yn uniongyrchol o’r undeb credyd. Mae mwy na 140 o sefydliadau yng Nghymru eisoes wedi ymrwymo i bartneriaeth ag undeb credyd yng Nghymru, gan wybod nad oes unrhyw risg i’r cyflogwr o ran ad-dalu benthyciadau a diogelwch cynilion.

Yn ogystal, drwy fenthyca gan undeb credyd, mae staff yn defnyddio gwasanaeth sydd â chyfraddau llog fforddiadwy, gan eu helpu i osgoi credyd cost uchel a benthycwyr ‘diwrnod cyflog’.

Gyda hyn mewn golwg, fe’ch anogaf, os nad ydych chi eisoes yn ei wneud, i gynnig cynllun cynilo wedi’i ddidynnu o’r gyflogres ar sail gwirfoddol i’ch holl weithwyr.

I gael gwybod mwy am ddod yn bartner cyflogres ewch i wefan Undebau Credyd Cymru neu cysylltwch â’ch Undeb Credyd lleol gan ddefnyddio cyfeiriad e-bost enquiries@creditunionsofwales.co.uk.

Yn gywir
Hannah Blythyn AS/MS
Y Dirprwy Weinidog Tai a Llywodraeth Leol

 

Hannah Blythyn, the Deputy Minister for Housing and Local Government at the Welsh Government has sent the following letter to employers across Wales:

Hannah Blythyn AS/MS
Y Dirprwy Weinidog Tai a Llywodraeth Leol
Deputy Minister for Housing and Local Government
Bae Caerdydd • Cardiff Bay
Caerdydd • Cardiff
CF99 1SN

23 March 2021

Dear Employer,

The Coronavirus pandemic has highlighted and exacerbated the financial vulnerability of people in our communities.

There has never been a better time to give full consideration to the financial wellbeing of our workforce than now and we can achieve this by building financial resilience into our workforce and communities.

The Chartered Institute of Personnel and Developments (CIPD) reports that poor financial well-being can cause:
 Higher stress and anxiety levels;
 Reduced physical and mental health;
 Lower staff productivity;
 Poorer job performance;
 Reduced ability to concentrate;
 Increased likelihood of absenteeism.

Welsh Government remains committed to improving people’s financial capability and resilience and I believe that employers have a vital role in helping their staff to build greater financial resilience.

Payroll savings schemes offered by employers can help people to build a financial safety net that can enable them to withstand short-term shocks.

In Wales, we have 16 credit unions all of whom offer savings and loans through their offices or online.

Welsh Government have supported and worked with credit unions for many years and in this time I have seen credit unions grow from small grassroots organisations to the country’s leading ethical savings and loans providers with the widest reach in Wales.

Payroll partners are those employers who work with their local credit union to offer a range of financial services to the workforce as a perk of employment.

The payroll partnership, which is free to enter, introduces staff to a range financial services offered by credit unions.

In the payroll savings scheme staff set the amount they wish to save and this amount is deducted from payroll each month and placed into a savings account before they have chance to spend it.

Staff request withdrawals direct from the credit union. More than 140 organisations in Wales have already entered into a partnership with a credit union in Wales, safe in the knowledge that there is no risk to the employer regarding loan repayments and saving security.

Additionally, by borrowing from a credit union, staff are accessing a service with affordable interest rates, helping them to avoid high cost credit and ‘payday’ lenders.

With this in mind I encourage you, if you do not already do so, to offer all your employees a voluntary payroll deducted savings scheme.

To find out more about becoming a payroll partner visit the Credit Union of Wales website Home – Credit Unions of Wales or contact your local Credit Union using email address enquiries@creditunionsofwales.co.uk.

Yours sincerely,
Hannah Blythyn AS/MS
Y Dirprwy Weinidog Tai a Llywodraeth Leol
Deputy Minister for Housing and Local Governmen

 

Latest News


SEE MORE

Twitter

Great video. We're really looking forward to returning to schools @shirenewtonsch @PembrokePrimary @LlanyPrimary @OLAPrimary https://twitter.com/SaversSchool/status/1382582290870632450


See us on twitter