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When a sense organ makes contact with an object something we call ego immediately reacts to this contact in some way, e.g. it is attracted or averted by it - this plants a seed in the consciousness, which when watered by repeated ego responses will bear fruit or have an effect. This is the process of karma as I see it. It is something to do with our reaction to contacts we make continuously. If the reaction is anger, for example, this is not good because it causes harm somewhere down the line. If the seed of anger is watered by more anger this could lead to extreme harm, such as murder, taking place and this in turn is the cause of another effect further down the line in the stream of consciousness.