Which of the following refers to man-made resources used to produce a product?

The correct answer, capital, refers specifically to the man-made resources utilized in the production of goods and services. In the context of business management, capital encompasses a variety of assets including machinery, tools, and buildings that are essential for manufacturing products or delivering services. These resources are distinguished from natural resources (land) and human efforts (labour).

Land signifies the natural resources that are drawn from the environment, such as minerals, forests, and water, which are not man-made. Labour represents the human effort that contributes to the production process, encompassing the physical and mental skills of individuals involved in creating a product. Services pertain to activities that fulfill a need but do not result in a tangible product, such as consulting or maintenance work.

Therefore, capital is correctly identified as the category encompassing man-made resources that enhance production capacity and efficiency.