Which term describes the skills and knowledge gained by a worker through education and experience?

The term that describes the skills and knowledge gained by a worker through education and experience is human capital. This concept encompasses not only formal education but also on-the-job training and practical experiences that enhance an individual’s ability to perform tasks effectively. Human capital emphasizes the importance of investing in people, as their skills and knowledge contribute to productivity and economic value. It recognizes that a workforce equipped with relevant education and experience can drive innovation and improve overall organizational performance.

Other terms provided in the choices refer to different concepts. For instance, social capital relates to the networks and relationships individuals build, which can offer support and resources. Financial capital refers to the monetary resources available for investment in a business or personal ventures. Intellectual capital generally pertains to intangible assets like patents, trademarks, and proprietary knowledge that contribute to a company's value, rather than the individual skills of a worker. Therefore, human capital is the most accurate term for the question posed.