True or false: human capital is money that belongs to individuals rather than businesses. this is

The answer is true, it is because human capital focuses more on a person’s knowledge and habits, the way they attribute socially and how they show their attitudes of such having creativity that will be of help in performing in producing value with labor in which it is the people are the ones who performs it to earn.

the answer choices are:

provides online banking

provides automatic payment services

provides home loans by using saving accounts

accept tax return refunds

hopefully someone can answer the question now lol