Cronfa Buddsoddi   Cymunedol -           (Cronfa B.C)

Mae ein hymchwil a'n profiad yn dweud fod gwir angen am gyfryngwr ariannol sy'n cyfateb i ofynion cyllido mentrau cymdeithasol ac yn cynnig chyfleoedd i unigolion a sefydliadau wneud buddsoddiadau moesegol mewn cymunedau. I’r perwyl yma byddwn yn gweithio mewn partneriaeth efo CGGC i ddatblygu cynllun peilot a fydd yn sefydlu cronfa ar gyfer buddsoddi mewn mentrau cymdeithasol yn y dair gymuned yn ardal Dolan.

 

Gall ecwiti cymunedol ddarparu buddsoddiad hirdymor sefydlog o fewn cymunedau a rhoi gwaddol ariannol yn ôl i’r buddsoddwyr.

Mae llawer un yn barod i fuddsoddi am resymau ar wahân i hunan-les ariannol uniongyrchol. Mae nifer yn edrych i foddhau’r angen i gael effaith gadarnhaol ar gymunedau ac felly yn disgwyl enillion ychwanegol i rai ariannol yn unig o’u buddsoddiadau.

Fe fydd y gronfa yn agored i dderbyn buddsoddiadau gan unigolion a sefydliadau, ac hynny nid yn angenrheidiol o gymunedau Dolan yn unig. Caiff y buddsoddwyr fudd ariannol drwy ddifidend neu log ar eu buddsoddiad yn y gronfa. Mae posib y bydd modd i’r buddsoddwr unigol neu gorfforaethol gael rhyddhad trethiannol ar eu buddsoddiad yn ôl y rheolau a chyfreithiau trethi perthnasol ar y pryd.

 

 

Un o brosiectau cyntaf Dolan fydd sefydlu’r gronfa o gyfalaf i fuddsoddi mewn mentrau cymdeithasol unai drwy fenthyciadau neu drwy brynu cyfranddaliadau yn y mentrau.

 

 

Er mwyn gwireddu’r prosiect rydym wedi dewis gweithio mewn partneriaeth hefo CGGC. Fe ddewiswyd CGGC fel cyfryngwr i sefydlu a gweinyddu’r gronfa er mwyn ein galluogi i fanteisio ar eu profiad fel corf traws Gymru gyfan. Maent yn gorff sydd wedi sefydlu cronfeydd cyfalaf ar gyfer mentrau cymdeithasol a chyrff yn y drydydd sector, gyda’r cymwysterau cyfreithiol ac ariannol yn eu lle eisoes.  Eu rôl yn ein partneriaeth fydd gweinyddwr y gronfa, Dolan fydd yn ei reoli, ei farchnata ac yn penderfynu ar ble y buddsoddir y cyfalaf.

Disgwylir lansio’r gronfa  yn y misoedd nesaf.

 Community   Investment Fund -     (C.I Fund)

Our research and experience indicate that there is a real need for a financial intermediary that matches the funding requirements of social enterprises and offers opportunities for individuals and organisations to make ethical investments in communities. To this end we will be working in partnership with WCVA to develop a pilot scheme which will establish a fund for investment in social enterprises within the three communities of the Dolan area.

 

Community equity can provide stable long-term investment within communities and give investors a financial return.

Many are prepared to invest for reasons other than direct financial self-interest. Many are looking to satisfy the need to have a positive impact on communities and therefore expect additional returns to the financial alone from their investments.

The fund will be open to investments from individuals and organisations, not necessarily from the Dolan communities. Investors will benefit financially through a dividend or interest on their investment in the fund. The individual or corporate investor may be able to get tax relief on their investment under the relevant tax rules and laws at the time.

One of Dolan's first projects will be to establish the capital fund that will invest in social enterprises either through loans or the purchase of shares in the enterprises.

 

 

To make the project a reality we have chosen to work in partnership with WCVA. WCVA was selected as an intermediary to set up and administer the fund so that we may capitalise on their experience as an all-Wales organisation. They are a body that has established capital funds for social enterprises and third sector organisations, with the legal and financial qualifications already in place. Their role in our partnership will be as administrator, Dolan will manage it, market it and decide where the capital will be invested.

The fund is expected to be launched in the coming months.

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