According to Jainism, Karma (Sanskrit: कर्म, kär’mə, kär’mən, Prakrit: कम्म, kä’mmə) means that every action, every word, every thought produces, besides its visible, an invisible, transcendental effect. The word karma is commonly understood to mean “action,” but implies both action and reaction.
Karma in Jainism conveys a totally different meaning as commonly understood in the Hindu philosophy and western civilization.In Jainism, karma is referred to as karmic dirt, as it consists of very subtle and microscopic particles i.e. pudgala that pervade the entire universe. Karmas are attracted to the karmic field of a soul on account of vibrations created by activities of mind, speech, and body as well as on account of various mental dispositions. Hence the karmas are the subtle matter surrounding the consciousness of a soul. When these two components, i.e. consciousness and karma, interact, we experience the life we know at present.
Herman Kuhn quoting from Tattvarthasutra describes karmas as –

a mechanism that makes us thoroughly experience the themes of our life until we gained optimal          knowledge from them and until our emotional attachment to these themes falls off.
       in the Jain literature due to the karmas our soul becomes dependent/ according to Jainism there are 8 types of the karams are described 1 GYANAVARN KARMA 2 DARSHANAVARAN KARMA 3 VEDNIYA KARMA 4 MOHNIYA KARMA 5 AYU KARAMA 6 NAAM KARMA7 GOTRA KARMA 8ANTRAAY KARMA .
 1gyanvarna karma means those karmas or actions hide the nature of soul  2 darshnavaran karma means those karmas hide the  darshan of soul 3 vedaniya karma means those karma s or actions  experienced the  sorrow and happiness 4 mohaniya karma means those karma destroys the soul’s perfectness and character. 5 ayu karama means those actions retains the body 6 naam karma means due to  those karmas we get bad and good names  and structures. 7gotra karma means by which we born in high or low cadre or caste8 antaraay karama means  due to those karmas or actions we are unable to conduct charity, profit, entertainment, usages and in our strength .
 due to our karams our  souls become pure, impure and perfect. so we always try to achieve the goal of soul in perfect state, if we fail so we will be in pure state. these states are due to our own actions  or karamas. some karamas we get from our past lives and some we cultivate knowingly and unknowingly  and some karamas fruition  takes own time, some ripened by penance and some aborts unknowingly.  
 karam philosophy is in various forms and in various religion and various individual. every one is right and also wrong. it all depend on the faiths and trust. but there must be perfect beliefs .