From the Wikipedia:

CONCEPT
The explanation of karma can differ per tradition. Usually it is believed to be a sum of all that an individual has done, is currently doing and will do. The results or "fruits" of actions are called karma-phala. Karma is not about retribution, vengeance, punishment or reward; karma simply deals with what is. The effects of all deeds actively create past, present and future experiences, thus making one responsible for one's own life, and the pain and joy it brings to others. In religions that incorporate reincarnation, karma extends through one's present life and all past and future lives as well. It is cumulative.

VIEWS
Throughout this process, many believe God plays some kind of role, for example, as the dispenser of the fruits of karma.Other Hindus consider the natural laws of causation sufficient to explain the effects of karma. Another view holds that a Sadguru, acting on God's behalf, can mitigate or work out some of the karma of the disciple.

LAW OF KARMA
The "Law of Karma" is central in Dharmic religions. All living creatures are responsible for their karma — their actions and the effects of their actions — and for their release from samsara. The concept can be traced back to the early Upanishads.

The esoteric Christian tradition, Essenian and later Rosicrucian schools teach it as the "Law of Cause and Consequence/Effect." However, this western esoteric tradition adds that the essence of the teachings of Christ is that the law of sin and death may be overcome by Love, which will restore immortality.

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