Karma is justice. It does not reward or punish. It shows no favoritism because we all have to earn all that we receive. Karma doesn’t predestine anything. We create our own causes and Karma adjusts the effects with perfect balance. - Mary T. Browne

This quote in my opinion most succinctly defines karma. Karma is all self-creation. There are no other people but you who are both the sinner and executioner.