This document discusses the causes of poverty in Hong Kong. It identifies two main types of factors that can lead to poverty: personal factors and social factors. Personal factors include health problems, loss of ability to work, and family care responsibilities. Social factors include economic restructuring reducing low-skilled jobs, unemployment or underemployment of low-skilled workers, and marginalized workers facing unstable employment, long hours, low pay, and poor working conditions. The document defines marginal workers as those in low-skilled, undesirable jobs with low wages and lack of protections who experience unemployment or underemployment.