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This oft-recurring phrase is a Qur'anic metonym for man's doings and conscious attitudes in this world, meant to bring out the fact that these doings or attitudes are the "harvest" of a person's spiritual character and have, therefore, a definite influence on the quality of his life in the hereafter. Since the latter is but an organic continuation of earthly life, man's subsequent spiritual growth and bliss or, alternatively, spiritual darkness and suffering - symbolically circumscribed as God's "reward" and "chastisement" or "paradise" and "hell" - depend on, and are a result of, what one has previously "earned".
All evil, all sorrow, all pain and affliction, are things not normal, things twisted from the pure and holy nature as created by Allah's hands. As far as man is concerned, his misfortunes are but the consequences of the things he has done. He must bear personal responsibility for them and not throw the blame on others.