Basel Core Principles on Developing Countries Essay

Basel Core Principles on Developing Countries - Essay Example The Committee on Banking Regulations and Supervisory Practices (Basel Committee) was established in 1974. The Committee was comprised of the central bank Governors of the Group of Ten countries. These countries in particular are Belgium, Canada, France, Germany, Italy, Japan, Luxembourg, the Netherlands, Spain, Sweden, Switzerland, the United Kingdom and the United States. The repercussions of the turmoil in markets and international currency created the need for this congregation. The Basel Committee was tasked to oversee and supervise financial institutions and to issue recommendations and standards on banking laws and regulations. It serves as the forum for cooperation on sound banking practices for member countries. In 1988, the Basel Committee gave birth to Basel Capital Accord, or the 1988 Accord. The 1988 Accord was to serve as the international standard to be followed by financial institutions. This has come to be known as a stabilising instrument in banking institutions that foster cooperation among participating countries. The aim of the 1988 Accord was to give a new framework that will strengthen the stability of the banking system and to make sure that the framework will be fair and consistent in application to various banks to reduce inequality among international banks. It provided a system for capital measurement and stated the minimum requirements for international banking business. The most significant aspect of the 1988 Accord is the provision imposing a regulatory capital requirement. It required the minimum capital-to-asset ratio of financial institutions to equal to at least eight percent (8%) of the risk-weighted assets. Thus, if all of the institutions assets are exposed to 1 00% risk, then its capital at hand must be valued at least 8% of its assets. The changes in the 1988 Accord were proposed in 1999. The proposal aims to formulate a capital framework that has evolved to the needs of the time. Thus, the International Convergence of Capital Measurement and Capital Standards: A Revised Framework or the Basel II Accord came upon in June 2004. Core Principles for Effective Banking Supervision A remarkable benchmark was made through the Core Principles for Effective Banking Supervisions or the Basel Core Principles. The Basel Core Principles aim to respond to the weaknesses in the banking systems that can threaten countries, regions and even the international community. This document was issued on September 1997 after examinations and studies made by the Basle Committee, the Bank for International Settlements, the World Bank and the International Monetary Fund. Compared to the 1988 Accord, many developing countries participated in the drafting of the Basel Core Principles, like Chile, Thailand, China, Argentina, Brazil and India among others. The Basel Core Principles are made of 25 basic Principles that are supposed to guide the regulatory or public authorities in the countries into implementing or maintaining an effective financial system. These 25 basic Principles are classified into seven sections. Principle 1 deals with the Preconditions for Effective Banking Supervision. Principles 2 to 5 discuss the Licensing and Structure. Principles 6 to 15 break down the Prudential Regulations and Requirements that are suppose

Essay Topics

Essay TopicsEssay topics are one of the most important aspects in writing a thorough and well-structured essay. Different people have different views about the topic. Thus, it is vital to have a variety of topics that will help you in writing a coherent essay.If you have already selected your topic, then you can start writing the essay. However, there are several things that you should keep in mind while composing an essay. Some of the points that you should consider when selecting the topic include the topic of the course, your background, how you plan to use the material, your interests, profession and other factors.The first question that comes to mind when you have written your essay topics is how will you use the information provided in the essay? Most people do not find it difficult to write an essay because they know what their subject is and what they are going to discuss. However, if you want to make your topic interesting, you can think of a topic that has a variety of them es or subjects. This will be very interesting and it can make your essay interesting.Your background plays a vital role in determining the type of topic that you will choose. For example, if you are studying mathematics, you should opt for topics about algebra. There are many topics about algebra, algebraic number theory, algebraic solutions, limits, etc. When it comes to your interests, you should also consider your profession. If you are studying law, it would be a good idea to go with topics about the law. You can also choose topics that will provide information about your profession.When you select the topic of your essay, the style of writing will be one of the most important. If you want to choose the right topic, you must understand that there are two types of topics. First is the general topic and the second is the contextual topic. The general topic will refer to all the information that you will use in your essay.The contextual topic will give information about your topic and will mention specific topics that will help you in developing your topic. You should be careful about choosing the topic so that you will have a variety of topics. If you are having problems, then you can use the help from your professor or tutor.You should also make sure that the topics that you are choosing are related to your topic. You can also discuss the importance of the topic, if you have the ideas. Once you have written on the topic, you can now focus on the style of writing the essay. If you are using an electronic course, then you can learn the styles of writing in electronic courses easily.

Life, Death and College Essay Who Do You Want to Meet

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How to Choose Tips on Writing a Person Essay

How to Choose Tips on Writing a Person Essay The Importance of Tips on Writing a Person Essay You could have your topic assigned, or you might be given free reign to write on the topic of your pick. Also, simply because you believe the explanation is clear, doesn't indicate you can prevent putting it down. You're presenting the sentence for a statement of fact rather than a personal belief. It is possible to choose an entirely fictitious individual, clearly, but it's probably smart to create the person at the very least a mixture of men and women you know, in order for your description sounds authentic to a reader. Always make certain you revise your essay so as to eradicate the demand for use of pronouns in sentences thus developing a formal manner of writing that is more appropriate. Or you're not feeling well, and writing is the very last thing you would like to do. Also, humor isn't a replacement for substance. Utilizing third-person writing may earn a huge difference in giving your essay the appropriate tone. Though the conclusion paragraph comes at the conclusion of your essay it shouldn't be regarded as an afterthought. Do your homework on the topic of your essay, while it is a part of literature or an occasion. So that you don't will need to further elaborate any area of the essay. A poorly executed essay can lead to a stellar student to receive rejected. Essay Edge is an internet essay editing resource that aids with academic and admissions essays. When you compose the essay, you should choose a single side to concentrate on. Nobody expects your very first essay to be ideal. Ask three distinct experts what a personal essay is and you will likely get three unique answers. If you pose a question, you may want to give your own reply at the conclusion of your essay. For your argumentative essay, attempt to choose topics that you're interested in. Every topic is probably going to have an alternate viewpoint. Hearsay, Deception and Tips on Writing a Person Essay Memory topics utilize the chronological purchase. Essays aren't the only types of writing assignments you're most likely for. The SAT Essay is quite a brief assignment. Narrative essays is among the most well-known varieties of assignment, especially at school. Be its most your private essay indicates that is centered on you're different from time clients as possible. In here you'll discover a lot of helpful suggestions on essay writing process. As soon as you understand what your essay should address, spend a small time brainstorming ideas. The secret to a prosperous essay here is thinki ng beyond the fundamentals. While an essay is a big project, there are numerous steps a student can take which will help break down the task into manageable components. Many college applicants make the error of attempting to include all their accomplishments and activities in their application essays. A training report is an essential part of the job that must be done and with the aid of which it is much easier to monitor, assess and implement the desired goals. The summary ought to be very different from the standard summaries as it ought to be very solid. The more questions you ask before you commence writing, the more information you will need to utilize in the essay. Grow a checklist of the significant questions you will keep answering as you write your essay. Before you commence writing a descriptive essay about a man or before you choose to cover essays writing, it is crucial to read several templates of well-structured papers. Next, employing an expert to compose an essay for you are able to help you better your academic outcome. If you must perform essay assignment and would like to do it at top-notch level, Essay-Writing-Tips. In case the essay demands the usage of somebody else's words quote them as citations to prevent plagiarism. As you begin writing more descriptive essays, be certain to paint an image of your character.

Civil Society and Non-Governmental Organisations Essay

Civil Society and Non-Governmental Organisations - Essay Example In just 20 years the number of international NGOs has increased from 13,000 in 1981 to more than 47,000 in 2001 (Wild, 2006). The NGO sector has become "the eight largest economy in the world" worth $1 trillion, with an annual budget of $15 billion for development programs, 19 million paid staff members and countless volunteers, and the good will and respect of millions around the world (Hall-Jones, 2006). Public response to NGOs has been much more positive than negative on both global and national levels. Former UN Secretary-General Kofi Anan called NGOs the "new superpower" (Scheper, 2001). The praise is not undeserved. At least part of the credit in establishing international agreements and norms about environmental issues (the Kyoto Protocol), human rights (campaign against torture of suspected terrorists), gender equality (rape in conflict areas), and other concerns should go to NGOs. In many developing nations, especially where authoritarianism and corruption are deeply rooted and persistent problems, NGOs are often considered to be more responsive, trustworthy and competent, especially in defending people against human rights violations by state actors and in the delivery of badly needed health, education and other services. NGOs have also contributed greatly to documentation and dissemination of information and analysis that have given and continue to give direction and substa nce to international debates. The evaluation of NGO performance is not entirely positive. There are NGO critics and critiques. Questions are only to be expected from government and business interests that are affected negatively by NGO issue advocacy, such as campaigns against granting corporations mining concessions that will threaten the right of indigenous tribes to their ancestral land. However, serious and urgent questions have been raised regarding NGO orientation, their competence, their ability to uphold the interests of their stakeholders, and their adoption and practice of transparency and accountability in their day-to-day operation. In addition, a substantial number of political activists have questioned the "apolitical" stance of a number of NGOs, relations between NGOs (mostly based in the global north) and social movements (mostly based in the global south), the growing reliance of NGOs on government and corporate funding, and what is seen to be their slow transformation into quasi-governmental institutions (Albrow and Anheier, 2007). This paper is an attempt to give a factual account on the actual performance and impact of NGOs concerning particular issues and what some consider as the overarching goal of civil society -- global social justice in a sustainable world. It will also present and briefly discuss definitions of civil society and global governance that provide the general context and background for the discussion on non-governmental organisations. II. Global Civil Society and Global Governance Professor Mary Kaldor, Co-director of the Centre for the Study of Global Governance based in the London School of Economics defined global civil society as: "A platform inhabited by activists or post-Marxists, NGOs and neoliberals, as well as national and religious groups where they argue about, campaign for (or against), negotiate about or lobby for the arrangements that shape global developments" (Kaldor,

Impact Of Social Networking On E Business Information Technology Essay

Impact Of Social Networking On E Business Information Technology Essay Social networks have changed the way internet users communicate, search for and share data today. For example, increasing the relations between e-businesses and social networks can improve user satisfaction. Using data from blogs, forums and online journals, the evaluated impact that social networking has on e-businesses and e-commerce sites. The results show that while the majority of users do engage in social networking, those e-businesses and e-commerce site that transact with the social networking sites generally obtain significant benefits in the form of product promotion, branding and higher user satisfaction that the ones that dont. This is clearly shown by the illustration and graphs shown in this research paper. Introduction In its early years, e-business was used for uploading basic information about products and services and now it provides corporate information on sites that sell goods and services on the internet. If compared to e-commerce, the purchases made online are unlimited. E-commerce involves online financial transactions Top social networking sites like Facebook, Hi5, Friendster and MySpace have made a significant impact on how todays internet users communicate, search and share data. Users join these social networks, publish and maintain their own profiles by using publishing tools, they also establish links to their friends. The social links are evidence that trust has been established between the connected users. The marketing strategies of social networks can have a huge impact on e-business, for example, users can become members of both the social network and e-business. For example, users who buy or sell items on Ebay can leave links of their products on their MySpace account. To guide their financial decision-making, the social networks and e-business offers users information on how they are connected to each potential transaction partner. Since majority of internet users engage in social networking sites, those who do business with friends of friends end up benefiting from higher user satisfaction. The analyzed results show that social networking has a positive impact on e-business. Outline of the paper This paper is organized as follows: Section 2: Introduces Social Networking Section 3: Introduces E-business Section 4: Introduces E-commerce Section 5: Outlines the impact of social networking on e-commerce and e-business Section 6: Conclusion Social networking Social networking has always been known for its interactive communication with online participants who are brought together electronically to share views, upload images and so many other features. Social networking is free and all it takes is commitment, it has a short learning curve and provides access to global market. TagWorld social site was the first to embrace e-business and that has revolutionized social networking, it has also given them a competitive advantage over their rivals like MySpace and Facebook. TagWorld members can post items for sale in the new classifieds section, which can be searched by tag similar to a subject or catagory, keyword or zip code radius. Multiple images of an item can be included with the ad, as well as a payment model. Sellers can choose a fixed price or mark the item negotiable which allows buyers and sellers to haggle over a price. PayPal is integrated into the site to make paying for items easier. Items appearing in the classifieds can also appear in storefronts that members can incorporate into their personal Web pages. Mello (2006) T [8]Below is the size and growth of the top social networking sites. Profiles 12 months Growth Hi5 98.9m 33.6m 51.6% Facebook 50.1m n/a n/a Friendster 50.9m 19.6m 62.5% MySpace 184.1m 82.7m 81.5% Size Growth There are two types of social networking services they are, internal and external. Internal Social Networking These are for private communities like companies, organizations or associations. Most companies want their staff to stop using external social networks since its unproductive, so they block the external social sites. [2]Their staff can communicate with each other or even with different departments. [1]External Social Networking This is a public network, where all web users can access it. Most social networking sites are used to attract advertisers. A good example is Facebook, Hi5, Friendster and MySpace. Social Networking Analysis This is the mapping and measuring of relationships between people. It is used for the analysis of social structures. A good example of a social networking analysis tool is the Sentinel Visualizer product [5]. The tool is used to measure the degree of centrality, betweenness centrality, closeness and Eigenvalue. Degree centrality This is simply the number of direct relationship that a user has. If a user has more relationship, he or she is an active player in the network as shown below. In the above illustration, Alice has the highest degree centrality, which means that she is quite active in the network. For her to get to Rafaels clique she has to go through him [5]. Betweenness Centrality This identifies a users position within a network in terms of their ability to make connections with other groups in the network. The user with a high betweeness centrality has a big influence in the network as shown below. In the example above, Rafael has the highest betweenness because he is between Alice and Aldo. Alice and Aldo have a slightly lower betweenness because they are essentially only between their own cliques. Closeness This measures how fast a user can access more users in a network. A user with a high closeness has a high visibility as to what is happening in the network. Eigenvalue This measures how close a user is to other highly close users within a network, this is measured globally. Some companies like SAS Institute have come up with a system called SASÂ ® which detects and prevents fraud on social networks [4]. The same system measures productivity and provides other information to help manage the site efficiently and effectively [4]. E-business This is basically a way of conducting business electronically. E-business involves business processes like electronic purchasing and supply chain management, processing orders electronically, handling customer service, and cooperating with business partners. E-business involves a business cycle of production, sales, procurement, distribution, payment and marketing so its not hard for it to work for any business. There are several applications that can benefit e-business, these are blogs and forums. These will show the e-business how its users like their products by viewing their comments. E-commerce This basically means conducting business electronically, mainly via the internet. E-commerce has impacted sectors in governments such as the cultural and information sector. Another industry that may have a large future growth via e-commerce is banking. With the continuity of ecommerce, there will be futuristic issues like social, economical and privacy. Most of the internet users fear buying from online businesses since they often have limited guarantee about the privacy of their information. If such problems are resolved, e-commerce can play a positive role in improving the world business. Some applications that are used in e-commerce are email, online banking, teleconferencing and newsgroup. With e-commerce, users can conduct business anytime, access the global market, allow customers self service or customer outsourcing. There are constraints of e-commerce, they are: Time for delivery of physical products, e-commerce is often used to buy goods that are not locally available thus taking time and money, this is due to the buyer and seller being from different countries. Physical product supplier delivery uncertainty, most of the time e-commerce purchases are made on trust. This is because having access to the product physically is not possible, a purchase is made on an expectation of what that product is and its condition. Another reason is that supplying businesses is conducted across the world, a user or buyer cannot be sure whether or not the supplying businesses are legitimate and are not just going to take his or her money. Perishable goods: Goods bought and sold through the internet tend to be durable and not perishable, they need to survive the trip from the supplier to the purchasing business or consumer. Limited and selected sensory information: Whatever a user buys, all they can see is the images of the product and its description. They cannot smell, weigh or even inspect it as they would if it was in a local store. Returning: Returning goods online can be difficulty since most e-commerce business has stated that in their return policy. Privacy, security, payment, identity and contract: Most of the time e-commerce businesses have issues of privacy of information, security of the same information and payment details. One would think that the availability of goods online would increase competition and lower prices, but this doesnt always occur. A good reputation may allow a seller or a retailer to control his or her area of market. [7] Below is a diagram of the complaints made by Australians e-consumers: Impact of social networking on e-commerce and e-business E-businesses and e-commerce sites cannot compete in todays market without collaborating with social networks. There are several impacts that Social networking has on e-business and e-commerce, such as economical and social impacts. These are shown below: Economical Impacts One of the main advantages social networks have is millions of users, e-businesses and e-commerce sites have come up with ways of pulling or attracting those users to their sites. For e-businesses and e-commerce sites to actually benefit from social networks, they need to use the following marketing strategies: Driving internet traffic for ad revenue Brand building Link building for traffic and Search engine optimization Promotion of goods and services Affiliate Marketing Pay Per Click Advertising Driving Internet Traffic for ad revenue Driving traffic to a site is very inexpensive. Hence, e-commerce and e-business sites have to be attractive with rich contents so as to ensure user interactivity. This strategy will benefit both the social networks and the e-business/e-commerce sites. Benefits of Driving Internet Traffic for ad revenue: It is far better than pay per click as you already direct viewers to the page If an e-commerce or e-business site uses this strategy, it will be able to view their competitors, their products, services and their current strategies Link building for traffic optimization E-businesses and e-commerce sites can place links in social networking sites which will actually boost the traffic of their websites. Benefits of Link building for traffic optimization: This strategy can help e-business or e-commerce sites build trust by having multiple one-way links to their sites. It is a cheap way of driving traffic to the e-business or e-commerce sites. Promotion of goods and services This can be done by providing information to educate clients about the products. The information can be promoted by advertising on social networking sites. Benefits of Link building for traffic optimization: Clients have a better understanding of the goods and services. Goods and services can be commented on or criticized by clients. Affiliate Marketing This is one of the most efficient methods of promoting the e-business or e-commerce sites. Affiliate marketing is risk free since its marketing costs are only paid for actual results. This method eliminates the need for having an advertising budget or employees since the cost of using the affiliate marketing method is commission based. Benefits of Affiliate Marketing: This strategy allows the e-business or e-commerce to track visitors, this helps in E-businesses and e-commerce sites have access to a wider audience thus generating more goods and services. Pay Per Click Advertising This is a type of advertising where the advertiser pays depending on the number of times the published ad is clicked on. It is a very effective way of targeting specific users and it also provides a reliable way of measuring the effectiveness of the advert. Benefits of pay per click advertising: It targets users more accurately It can show what keywords users have clicked on to view its site. It is also simpler in targeting users who live in different geographical spots. The economical impact on e-business and e-commerce helps in building credibility. It is easier for the e-business and e-commerce sites to gain clients confidence if they connect with them on a personal and professional level. Social Impacts When it comes to social impacts, this mainly refers to productivity of employees in e-business and e-commerce sites. This is the biggest concern in e-businesses since it can lead to network security risk and damage to reputation. Negative employee blogging or inappropriate posts about the workplace on social networking sites presents a new, confusing and often very daunting challenge for many smaller employers, said Jackie Breslin, director of human capital consulting for TriNet. Business owners need to stop and ask themselves some important questions regarding their employees personal online usage of this growing technology in order to safeguard the companys reputation and protect themselves from liability if legal and harassment issues arise. Justin (2008) The solution to this problem is internal and an external custom social network. These are organizational or private social networks where only staff members and clients have access. This improves teamwork, collaboration and productivity within the staff members. When it comes to clients, it will improve loyalty and retention and most of all, increase the response time for enquiries. There are several negative impacts that social networks have such as Technical threat, online scams, cyber-stalking and identity theft. Malicious users are constantly trying to post or load their contents containing [6] browser exploits and then convinces users to view their contents. They also post scripts on the social networking sites that will run inside the browser of the users that view the content. A good example of this is cross-site scripting, this is basically a security exploit in which the attacker inserts a malicious code into a link that appears to be from a trustworthy source. Once a user clicks on the link, the embedded code is submitted as part of the clients web request and it executes on the users computer thus allowing the attacker to steal information. But the technical threat has preventive methods such as filtering scripts, and updating the web applications, antivirus and antispyware. The solution that millions of internet users trust is Secure Socket Layer certificates. A social networking site has to have a Secure Socket Layer installed for it to safeguard its members. The same applies to the e-business and e-commerce since the solution will ensure that clients online payment information will be submitted securely to its payment gateway and merchant account, it will also protect the website in case payment information is compromised. Secure sockets layer has other advantages like: It encrypts important information. Each secure socket layer certificate has unique, authenticated information about the certificate owner. SSL is used only where sensitive information is exchanged in order to provide privacy/security. So its a must have for both the e-business and the e-commerce. This means that secure socket layer certificate have no negative impact or disadvantage since its only used to encrypt important or vital information. 5. Conclusion While this research paper presents an evaluation of the impact of social networking on e-business. It seems that social networks have positive impacts on e-business even though some threats have been identified, such as security and privacy. Privacy has the most negative impact since almost all users write things about themselves which they wouldnt have in a social meeting. This makes it easy for hackers and malicious attackers to target them. Even with the integration of the social and e-commerce users, this has still created a new target for hackers and malicious attackers. Since e-commerce users post links in their social network account which will redirect anyone who clicks it to the products page in their e-commerce account, you may find that fraudsters or even hackers will place links that will actually give them access to information of both the e-commerce and social network accounts of the targeted user. It would have been better if further understanding of the structural differences between social networks and e-business were made. The observed differences could be attributed to the e-businesss nature of the network transactions, a further user behavior analysis on e-business or e-commerce could be carried. The findings could better the understanding of the motivation of the users socially and business wise.

Defining Abnormality Essay

Psychologist, for years have given their theory on normal and abnormal behavior, but all the studies they have done seems to give more evidence to prove what make each individual do what they do and why. In the normal and abnormal behavior we use all research and take all of its studies into consideration and apply it to why such behaviors have occurred. Reading this paper you can see that there are many experiments that challenge the theory of behavior no matter if it’s normal or abnormal. We will clarify some of the challeges as we define and classify both normal and abnormal behavior when we look at the challenges in Culture, gender and sexual preferences/practices and religion. Cultural normal and abnormal behaviors Culture is a challenge to abnormal behavior because these behaviors establish through socio-cultural traditions. The sociocultural perspective explains that abnormal behaviors are a result of family influences and social forces. Similar to the behavioral perspective, socio-cultural theorists believe mental disorders are learned behaviors. They tend to focus on social class, gender, and ethnicity in the explanation of mental disorders. An understanding of one’s sociocultural forces is also taken into consideration concerning abnormal behavior and its cultural challenge. Social forces, such as the media, social change, pressures, poverty, and social institutions are examples of how mental disorders are distinct or classified in culture. Family perspectives challenge abnormalities because they are complex systems. Because families are a representation of stability, any type of disruption could result in an emotional disorder. Culture puts a limit on abnormality because social norms tend to change over time. Cultural relativism holds the idea that normal or acceptable behavior are determined by society. Every society has its own views about what is normal and what is abnormal. For in instance, in the past Greeks thoughts people who heard voices was evidence of divine prophecy, yet today this is a sign of schizophrenia (Hansell & Damour, 2008). Culture bound disorders or abnormal behaviors practiced by a specific culture do not fit into the usual categories of the DSM-IV categories because the practices pertain to a particular group of people (Simons, 1996-2012). Given that the sociocultural perspective explains abnormal behavior is learned; treatment consists of switching the rewards and punishers in the environment and changing the bad habits that causes these behaviors (Learn Maximum, 2011). Mind/body normal and abnormal behavior Abnormal thoughts can have an important impact on the body. The mind/body connection is very strong. Constantly thinking negative thoughts can either perpetuate an already existing illness or bring illness on. Worrying all of the time can bring on anxiety that can cause other problems, such as high blood pressure and heart problems if not treated. Hypochondria are a condition brought about from abnormal thinking. Hypochondria are a disorder where a person thinks he or she has a life-threatening illness, but in actuality, are completely healthy physically. Other symptoms are, worrying about minor problems and linking them to life-threatening illnesses, seeing doctors numerous times to have tests, such as MRI’s and echocardiograms, switching doctors because the current doctor will not diagnose the patient with an illness, constantly talking to family and friends and suspected illnesses, continually checking their bodies for sores and lumps, checking vital signs, such as pulse and blood pressure on a frequent basis, and believing that they have disease after hearing or reading about it. There are several ways to recognize if thought are abnormal and could be hypochondria or if they are normal reactions and are in need of a doctor’s attention. Sometimes symptoms exist in actuality and a doctor cannot identify those symptoms. This can cause anxiety as well that can lead to other health problems. If a person can locate the illness that goes along with his or her symptoms, this usually means that he or she are normal and not hypochondriac. It is important to take an active role in recognizing mental and physical health to get the help needed. Recognizing when it is time to go to a medical doctor or psychiatrist is important to mental and physical health (Mayo Clinic, 2010). Religious normal and abnormal behavior The article of studying the specificity of spirituality: lessons from the psychology of religion discuss how the psychology of religion studies the specificity of spirituality. One major issues is how psychology contributes to the assessment, exploration, and explanation acts and activities of the specificity of religious and spiritual. There have been discussions for a long time about substantive vs. unctional definitions of the scientific study of religion (Platvoet & Molendijk, 1999). A substantive definition of religion is looking at religion as a type of philosophy or a basic understanding of nature and reality, which has nothing to do with our social or psychological lives. Functionalist definitions of religion are people belief either in social life, in society. Spirituality is cultural experiences that consists of different acts and activities in a certain spiritual tradition, which can be normal for some people or abnormal. Psychology of religion is a Western enterprise, in the East elaborate but different psychologist exists (cf. , e. g. , Paranjpe, 1998). Spirituality has different specificity, spiritual acts, and activities which associated to what people consider the act of transcending. One of the tasks psychology has is to comprehend the accuracy of human lives as well as in religion and spirituality, all spiritual acts, and activities are not alike. Psychologists involved in the study of the specificity of spirituality should go beyond with his or her research and understand the peculiarities, such as what they bestow. The clarification they offer for the behaviors and activities are so that people can understand the involvement and the type of meaning they bestow. Conclusion As we have demonstrated the challenges in classifying and defining normal and abnormal behavior because it is always changing and giving new research they have conducted in their study to indicate what is normal/ abnormal and how to identify from each of the behaviors.