Is anything incumbent upon me after I used a sum of money from an entrusted amount with the intention of a loan, and a year has passed, and its owners have not yet demanded it?

It is obligatory to safeguard trusts and not dispose of them except with the permission of their owner. Borrowing from a trust is forbidden if the borrower is destitute and unable to repay, or if the trust consists of non-fungible items. It is disliked if the trust consists of money or fungible items. If you took money without the owners' permission, your action is disliked if you are affluent, and forbidden if you are destitute. Others have permitted borrowing from deposited money if it is known that the owner of the money consents to it; otherwise, it is not permissible to borrow without their permission. Accordingly, disposing of a trust without the owners' permission makes the disposer liable for it.