For what does the Scripture say? “Abraham believed God, and it was credited to him as righteousness.” Now to the one who works, his wage is not credited as a favor, but as what is due. But to the one who does not work, but believes in Him who justifies the ungodly, his faith is credited as righteousness, just as David also speaks of the blessing on the man to whom God credits righteousness apart from works: “Blessed are those whose lawless deeds have been forgiven,
And whose sins have been covered. “Blessed is the man whose sin the Lord will not take into account.”
— Romans 4:3-8
Looks like that’s what Paul has in mind.
Paul did not write the NIV Bible.
In Romans 4, Paul is explaining the reason faith could be used to justify, and he is using Abraham as an example where God imputed righteousness on account of faith. Paul, in Romans 4, is teaching justification by faith without works, implying the teaching of the first term of the New Covenant, where a person believes the gospel (Jesus is the Christ and was raised from the dead) - same as believe in your heart, where he taught elsewhere. On account of this belief, the first term of the Covenant is fulfilled. In Romans 5, Paul says this is where we now stand (having completed the first term of the Covenant).
You need to relate Paul's teachings to the Covenant.
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