Whilst the use of commercial credit and arrears increased, although overall borrowing did not change between 2011/12 and 2014/15.
Er bod benthyca o gredyd masnachol ac ôl-ddyledion wedi cynyddu, ni wnaeth y cyfraddau benthyca yn gyffredinol newid rhwng 2011/12 a 2014/15.