“Although faith is the act of man, yet it is the work of God. “With the heart man believeth unto righteousness;” but that heart must, first of all, have been renewed by divine grace before it ever can be capable of the act of saving faith. Faith, we say, is man’s act, for we are commanded to “believe on the Lord Jesus Christ,” and we shall be saved. At the same time, faith is God’s gift, and wherever we find it, we may know that it did not come there from the force of nature, but from a work of divine grace.”
C.H. Spurgeon
Romans 10:14-17
How then will they call on him in whom they have not believed?
And how are they to believe in him of whom they have never heard?
And how are they to hear vwithout someone preaching?
And how are they to preach unless they are sent?
As it is written, “How beautiful are the feet of those who preach the good news!”
But they have not all obeyed the gospel. For Isaiah says, “Lord, who has believed what he has heard from us?”
So faith comes from hearing, and hearing through the word of Christ.
(Note: It does not say that they did not hear of their own stubborn will. This is true, but the reason is expounded further in Romans 11)

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