Answer:
d. The inability to read or write
Explanation:
"Literacy" refers to the ability of a person to read or write/ to become educated. <u>Therefore, illiteracy is the opposite</u>. It refers to <em>the inability of a person to read or write.</em>
Choice a is not the best term for illiteracy because the person may have learned reading and writing already, yet due to some reasons<em> (e.g. financial constraint), </em>he cannot proceed to higher education.
Choice b is not the best term for illiteracy. A lack of belief in a higher power maybe associated to the term, "Atheism."
Choice c is not the best term for illiteracy because losing one's local group's cultural identity and religious identity has nothing to do with reading and writing.