John Fesko-Matters of Faith
Saving faith is faith that not only knows and comprehends the facts about the gospel of Jesus Christ but also trusts in the person and work of Jesus Christ alone for salvation.
While faith can be used in various ways, saving faith is faith that not only knows and comprehends the facts about the gospel of Jesus Christ but also trusts in the person and work of Jesus Christ alone for salvation.
Historical faith understands the claims of Scripture, and temporary faith seems for a time to trust in them, but saving faith is a firm conviction and trust in the person and work of Christ.
While demons understand and comprehend the facts about God and Jesus Christ, this faith causes them to tremble.
For the Christian, faith leads to joy and confidence in the goodness and grace of God, which bestows salvation through Jesus Christ apart from works, even apart from the fruit that flows from faith.
The Bible is replete with references to faith. Hebrews 11 stands out as the great “Hall of Faith,” where the author highlights the many Old Testament saints who placed their faith in the promise of the gospel.
But what exactly is faith? And why do theologians add the adjective saving? In other words, what is saving faith?
The simplest and most basic definition of faith comes from the book of Hebrews: “Now faith is the assurance of things hoped for, the conviction of things not seen” (11:1).
The author of Hebrews gives a functional description of faith; in this case, faith is believing in what cannot be seen, such as God, or as the author points out, God’s creation of the world out of nothing (Heb. 11:3).
We take creation out of nothing (creatio ex nihilo) on faith since we cannot return to the beginning personally to observe God’s act. But when we relate the doctrine of faith to salvation, the definition becomes more specific.
Saving faith is a conviction wrought by the Holy Spirit regarding the truth of the gospel and a trust in the promises of God in Christ (for this definition, see Louis Berkhof, Systematic Theology: New Combined Edition, 503). Given this definition, what are the parts of saving faith?
What other kinds of faith does the Bible speak of? And how does saving faith relate specifically to the doctrine of salvation?
The church’s historic understanding of saving faith contains three elements: the facts (notitia), comprehension of the facts (assensus), and trust in the facts (fiducia).
In order for someone to believe in and trust in the saving work of Jesus, a person must first know the facts. She must know that Jesus existed as a real, live, historical person.
Jesus is not a myth or fairy tale. But a bare knowledge of the facts does not constitute saving faith. A person must know the basic facts and comprehend them.
In other words, knowing that Jesus lived is not enough; one must understand what Jesus did in his life. He claimed to be God in the flesh (John 8:58), God’s son and equal to him (John 5:18), and the only way to be saved: “I am the way, and the truth, and the life. No one comes to the Father except through me” (John 14:6).
But it is not enough to believe that Jesus exists and that he made these claims. The sinner must place her trust in Christ’s claims – she must believe that Jesus is the incarnate son of God and that he came to save sinners through his life, death, and resurrection (Rom. 1:16–17; 10:9–10).
We can illustrate the relationship between the elements of saving faith in the following manner. I can go to the airport and recognize the fact that there is an airplane in front of me.
I can acknowledge the fact that the airplane and its pilot can hurtle down the runway and leap into the air for sustained flight.
I can study the principles of aeronautics and comprehend that when air rushes over a curved surface it creates lift, which thus enables the airplane to fly. But I must trust the airplane and its pilot, board the aircraft, take my seat, and ride the airplane in order to demonstrate my faith in it.
A bare knowledge of Christ and his claims is insufficient for salvation. We must trust that he is the only way to be saved from our sin and the only one who can give eternal life.



