Answer – When theist thought becomes aware of the origin of the jivatma and in the process studies the universe around, it also becomes aware of the three basic attributes of the Supreme Being, viz. Truth, Love and Joy and then it begins to feel and experience these in every action and reaction.
Then there is a firm resolve that He and He alone is the Creator of the Universe, the Subject of every occurrence.
This unshakeable resolve is faith.
The common man may not be aware of high and mighty words like ‘reflection’, ‘contemplation’, ‘quest’, etc. but he learns the concept of faith through his daily, worldly experiences and occurrences.
Faith cannot arise in the mind merely because of external hammering and repeated persuasion.
However, faith felt spontaneously and naturally is an inevitable consequence of faith in the previous birth.