I hope the explanations below helps.
We read in Ephesians 2:8-10:
For by grace are ye saved through faith; and that not of yourselves: it is the gift of God:
9 Not of works, lest any man should boast.
10 For we are his workmanship, created in Christ Jesus unto good works, which God hath before ordained that we should walk in them.
Going back to verse 8 we ask, what is not of ourselves and what is the gift of God? Is it grace or is it faith? Is God talking here in Ephesian 2:8 that faith is not of yourselves but the gift of God? I believe this is what God is actually teaching here.
It is by grace that someone is brought into the kingdom of God and becomes the inheritor of the gift of salvation. It is by grace and through faith that the gift of grace manifests itself. So if we compare this with the gifts of the Spirit in Ga 5:22: But the fruit of the Spirit is love, joy, peace, longsuffering, gentleness, goodness, faith…etc.
Faith is one of the gifts of the Spirit and the gift of the Spirit is only going to be manifested by whom the gift exist, and by whom the Spirit of God is going to indwell, because these are the manifested gifts of God. Hence they are called the gifts of God.
What does it mean the fruit of the Spirit? The Spirit manifests itself by its existence, by its presence, by the fruit that it brings. The Spirit of God when He goes and dwells within a person and He enters them, He brings with Him the manifested gifts, His fruit, and this individual will begin to manifest these fruits, and one of these fruits is faith.
Ro 10:17 reads: So then faith cometh by hearing, and hearing by the word of God. This is a fundamental principle, no one can become save unless he hears the Gospel. The word of God does not return void!
You see, we do not naturally possess faith. Humanly speaking, we all have faith, but the faith that God talks about in scripture the faith to believe in Jesus Christ is NOT something that occurs naturally. It comes as a gift or the manifested gift of the Spirit.
And, when the Spirit enters a human being (which is a sinner), and brings with Him His gifts and begins to manifest them that faith grows. So as a child of God grows in grace and in the knowledge of the Lord Jesus Christ as he reads the word of God, which really is the manifestation of Jesus Christ, it is the living word, sharper than any two edged sword, this faith and their knowledge of scripture as God the Spirit opens our eyes to greater truths of scripture, our faith grows the faith OF Jesus Christ.
When Jesus laid down His life as the sacrificial Lamb, it required Him to trust that if He allowed Himself to be put to death that His Father will raise Him. Again this took faith the faith that Jesus alone possesses. Well, God The Father, and God the Holy Spirit possess this faith also, and that's a great mystery which I cannot unravel. I have no idea how all this interrelates but I do know that based on Ga 2:16 it is the faith OF Jesus Christ that impelled Him to trust His Father and to put His life into His Father's hand trusting that He would raise Him again from the dead. That is a great mystery, but it is true, for the wages of sin is death, and to atone for sins as the atonement and propitiation for sin, He had to die. He had to die the death as required for payment of sin. He had to allow Himself to be put to death, He submitted Himself, sacrificed Himself, and He trusted that He would come out on the other side and be resurrected, and not only will He be resurrected but He carried with Him captivity captive and we were resurrected with Him when Jesus was resurrected.
As we study scripture and as we begin to understand it we can only do so with the presence of the Holy Spirit within us. We must also have been given a new heart and we must be given the mind of Jesus Christ. So that we can begin to think God's thoughts. As we do this, it will be manifesting that the Holy Spirit is working within us.
So then to believe in Jesus Christ is a gift that comes with the Spirit. It is NOT something that occurs in us naturally.
Many people want to believe that the way to salvation is by exercising our faith, the natural faith that we are born with or that God may give us at some point, but then they believe you have to exercise that faith in order to become saved, and then if we compare that to what God has warned or what God have said about mankind in Ro 3:10-11
If your doctrinal belief is that you must seek God with all your heart and then you'll find Him apart from God drawing you, YOU ARE BELIEVING IN WORKS! You are believing that it is by your work, by your seeking God that makes you save, and that's not it at all. We have to compare scripture with scripture and spiritual things with spiritual.
To God Be The Glory