increase in real assets of a country is capital formation

The sources of human capital formation under the creativity are education and health.The proper education and the proper maintenance of health and child birth can contribute towards human capital formation.

Low capital formation is the prevalence of having savings lower than your debts. This often occurs during recessions in the economy.

capital fromation, or investment, is funded by savings. Low incomes and high consumtption rates result in low savings rates hence a scarcity of funds for capital formation

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