Karma has female worried (4)
I believe the answer is:
fate
'karma' is the definition.
(I've seen this in another clue)
'female worried' is the wordplay.
'female' becomes 'f' (abbreviation).
'worried' becomes 'ate' (something worrying may eat someone up).
'f'+'ate'='FATE'
'has' is the link.
(Other definitions for fate that I've seen before include "Clotho, Lachesis or Atropos" , "What must be" , "Destiny, kismet" , "Lady luck" , "Predetermined end" .)