The correct answer is: All of the above.
Poverty, discrimination, and conflict are all factors that can contribute to a low Human Development Index (HDI).
Poverty is a state of deprivation or lack of resources. It can be measured in terms of income, wealth, or access to basic necessities such as food, water, and shelter. Poverty can have a negative impact on human development in a number of ways. It can limit access to education and healthcare, reduce life expectancy, and increase the risk of violence and crime.
Discrimination is the unfair treatment of a person or group of people based on their race, ethnicity, gender, religion, or other characteristics. Discrimination can lead to social exclusion, economic disadvantage, and psychological harm. It can also have a negative impact on human development by limiting opportunities for education, employment, and participation in society.
Conflict is a state of disagreement or tension between two or more people or groups. It can be expressed in a number of ways, including violence, war, and civil unrest. Conflict can have a devastating impact on human development. It can lead to death, injury, displacement, and the destruction of property. It can also disrupt education, healthcare, and other essential services.
All of these factors can contribute to a low HDI. A low HDI indicates that a country is not meeting the basic needs of its people and is not providing them with the opportunity to reach their full potential.