How do we know faith is a personal work in our hearts?

The nature of faith as a personal work is underlined in the sermon, where it is emphasized that faith, repentance, and conviction of sin are individual experiences. Each person must encounter Christ personally; no one can believe on behalf of another. Scriptures such as Ephesians 2:8-9 affirm that faith is a gift from God, bestowed upon individuals according to His sovereign grace. Personal faith is not merely intellectual assent to historical facts about Jesus; it is an intimate trust in Him as our Lord and Savior, a truly unique experience for every believer.