Furthermore, those hit by the cuts in welfare payments are likely to reduce their spending on goods and services, leading to an additional negative impact on the economy in Wales.
At hynny, mae'n debyg y bydd y rhai yr effeithir arnynt gan y toriadau i daliadau lles yn gwario llai ar nwyddau a gwasanaethau, a fydd arwain at effaith negyddol arall ar economi Cymru.