An example of how one has faith.
Psalm 119:11
I have hidden your word in my heart that I might not sin against you.
When you hear the word, acknowledge it's veracity and trust in it, you find yourself with faith but it is not your hearing or volition response that has the power to produce the faith, but rather the power lies in the word.
And I should point out the whole process is happening under the ministry of the Spirit and also that faith is not static, it grows, or at least it should grow.
Does that help explain?