...And it has to be the gift of God, if we deeply consider it. 1 Jn. 5:1 says "Everyone who believes that Jesus is the Christ is born of God." Let us consider the logic of this statement: I cannot choose to believe something I have no trust in. I could try to, but that faith would surely fail, because I don't really believe it. Therefore, if I believe enough to have trust in God's word, then I can choose to believe it. If I do choose to believe it, then I am believing already before my choice to believe. If I didn't believe it in the first place, I certainly wouldn't choose to believe it, because I couldn't choose to believe in something I didn't believe in, since that would be a contradiction of character. No doubt some try to believe in things they don't believe in, but it never lasts, since they mostly find reasons not to believe in that which they do not believe in.
Therefore, 1 Jn. 5:1 speaks of regeneration preceding faith. "Everyone who believes..." means that if I believe in Christ, I am already born of God. It doesn't say "will be" or "could be" or any such thing, it says "is." Some translations render it "has been." Therefore if I believe enough already to trust in the word of the gospel, so that I choose to believe in it (and thus become His disciple), then I have already been born of God, according to this verse of scripture. At the moment I choose to follow Christ, I likely do not understand where my faith is coming from. But in my case, I knew I didn't want to be a Christian, but I did realize (in my own words) "I do believe, and there seems to be nothing I can do about it, so I might as well face it." That was one of the only moments of sincerity I ever had before, concerning self-evaluation.
So then, faith comes to a person as a result of regeneration. Eph. 2:5 says, "Even when we were dead in sins, hath quickened us together with Christ, (by grace ye are saved)." "Even when we were dead..." tells me that I didn't choose to believe before He raised me up. The gospel was preached, I didn't believe at first, but then God raised me up and gave me ears to hear it, and then I believed. This is the sequence of events told us in this verse, and is how Paul defined the phrase "saved by grace." This is how saving faith comes to us as a gift of God. It is a supernatural and divine imposition. The disposition of our hearts are changed. We are given spiritual wisdom, and hope in Christ. It is the nature of spiritual rebirth. We then want to believe because our hearts were changed from hostility to friendliness toward God.
So what does this knowledge do for us? It causes us to see that our faith in God is dependent on God, and forces us to trust Him for the growth of it. Since the nature of faith is trusting in God, then once we see that faith is increased by God's supernatural imposition in our lives, we trust Him all the more. This causes our faith to grow by the very nature of faith itself. We don't believe in our faith, but we believe in God, in Christ who is the object of our faith (and the author of it). That faith which is the gift of God makes us thirsty for more knowledge of God's word.
The knowledge of where our faith comes from also causes us to be grateful, since we can see the great privilege of being chosen by God for His purpose. It causes us to desire to please and glorify God. It motivates us to love Him all the more. It moves us to believe in God's promise for healing of the heart, mind, and conscience, so that we can shine as lights of Christ's character in this world.
TD