Упростим знаменатели: \( 4y-4 = 4(y-1) \), \( 5-5y = -5(y-1) \).
Общий знаменатель: \( -20(y-1) \).
\[ \frac{3y}{4(y-1)} + \frac{2y}{-5(y-1)} = \frac{15y}{-20(y-1)} + \frac{-8y}{-20(y-1)} = \frac{15y-8y}{-20(y-1)} = \frac{7y}{-20(y-1)} \]
Ответ: \( \frac{7y}{-20(y-1)} \).