وَأَفْعَالُ الْعِبَادِ (هِيَ) خَلْقُ اللَّهِ وَكَسْبٌ مِنَ الْعِبَادِ
The actions of servants are created by Allah and acquired by the servants.
Creation (khalq) refers to Allah bringing an act into existence through His power. Acquisition (kasb) attributes the act to the person in respect of intention and choice.
The servant is not an independent creator, yet human intention and responsibility are not negated. Each attribution has its own meaning.