God and Karma 

Different Hindus perceive the relationship between God and karma in different ways. Some go so far as to say that karma determines the future and God does not exist or matter at all. Some equate the divine force with karma or believe that God creates karma.

Yet other individuals and Hindu schools of thought, more conventionally, see God as the dispenser of karma, which He tempers with divine mercy. Whatever their particular viewpoint, Hindu philosophers and laymen generally agree with the notion that good behavior earns merit and improves their karma and that misfortune is the product of prior bad behavior. Even those who do not fully believe in karmic power, tend to consider the idea of karma a plausible guideline for ethical living.

From On Hinduism by Irina Gajjar, Chapter One, Hindus and Hinduism; also available for purchase on Amazon.