human capital
noun /ˌhjuːmən ˈkæpɪtl/
  /ˌhjuːmən ˈkæpɪtl/
[uncountable]- the skills, knowledge and experience of a person or group of people, seen as something valuable that an organization or country can make use of- The education system is central to the development of skills and human capital.
- to build/develop/invest in human capital.
- The greatest resource any country has is the creativity of its citizens: what economists call human capital.