"We must remember above all that salvation is a sovereign work of God. Biblically it is defined by what it produces, not by what one does to get it. Works are not necessary to earn salvation. But true salvation wrought by God will not fail to produce the good works that are its fruit (cf. Matt. 7:17). No aspect of salvation is merited by human works, but it is all the work of God (Titus 3:5-7). Thus salvation cannot be defective in any dimension. "We are His workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them" (Eph. 2:10). As a part of His saving work, God will produce repentance, faith, sanctification, yieldedness, obedience, and ultimately glorification. Since He is not dependent on human effort in producing these elements, an experience that lacks any of them cannot be the saving work of God." —John MacArthur
Taken from the article titled True Faith and True Grace.