We see very little indication that the initiative has attracted many lower waged families - a key issue that the policy was introduced to address.
Ychydig iawn o arwyddion sydd yno fod y fenter wedi denu llawer o deuluoedd cyflog isel – sef un mater allweddol y cafodd y polisi ei gyflwyno i fynd i'r afael ag ef.