Knowledge and skills that make someone more productive and bankable are known as:

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The term "human capital" refers to the knowledge, skills, and abilities that individuals possess and that make them more productive and valuable in the workforce. This can include formal education, job training, and experience. Human capital is a critical component of economic growth and development, and individuals who invest in their human capital often have better job prospects and higher earning potential. Social capital refers to the networks and relationships that individuals have with others, which can also be valuable in the workforce, but are not equivalent to the knowledge and skills that make up human capital. Economic capital refers to the financial resources (such as money or property) that individuals or businesses possess. Socialization refers to the process of learning and adopting cultural norms and values.

Knowledge and Skills That Make Someone More Productive and Bankable