Two different questions control the case:
1. Retention: how long may the asset be held?
2. Satisfaction of debt: if the pledge is lost or payment occurs, what amount is credited to which claim?
The remaining creditor may retain the whole object. But satisfaction and loss accounting turn on the actual secured debt and the applicable liability rules, not merely the breadth of possession.
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Retention is different from collecting the debt
Kitab al-Rahn: Two Pledgees, Conditional Security and Custody
Two different questions control the case:
1. Retention: how long may the asset be held?
2. Satisfaction of debt: if the pledge is lost or payment occurs, what amount is credited to which claim?
The remaining creditor may retain the whole object. But satisfaction and loss accounting turn on the actual secured debt and the applicable liability rules, not merely the breadth of possession.