In Jain Dharma, cosmic arrangement and karmic arrangement can be understood as follows:

1) Cosmic arrangement

The universe in Jain philosophy works according to natural laws, not according to any creator god’s will. The universe is beginningless and endless, and it functions by its own nature.

So “cosmic arrangement” means:

• the order of the lok (universe),
• the workings of dravya (substances),
• the cycles of time,
• and the natural laws by which all beings exist, move, rise, and fall.

2) Karmic arrangement

“Karmic arrangement” refers to the results of karma that a soul experiences.

According to Jainism:

• every action of thought, speech, and body can bind karma,
• karma attaches to the soul,
• and that karma later gives its result as happiness, sorrow, birth, body, lifespan, and circumstances.

So what people call “fate” or “destiny” is, in Jain understanding, largely the fruit of one’s own karmas.

3) How they work together

In Jain philosophy:

• the cosmic order provides the structure of existence,
• and karma governs the individual soul’s experiences within that structure.

Nothing happens randomly. Everything follows cause and effect:

• the universe follows its own law,
• and the soul experiences according to its own bound karma.

4) Important Jain view

Jainism teaches that:

• we are not helpless,
• present effort, right conduct, and self-discipline can stop new karma,
• and spiritual practice can destroy old karma.

So karmic arrangement is not final. It can be changed through:

• samyak darshan,
• samyak jnan,
• samyak charitra,
• and above all ahimsa, restraint, and purification.

In short:

Cosmic arrangement = the natural order of the universe Karmic arrangement = the working of karma on the soul

If you want, I can also explain this in very simple Hindi/Gujarati-style words.