Place biscuits in a plastic bag and crush with a rolling pin or a small glass.
Mix biscuit crumbs with margarine. Press onto the base of a tart dish.
Dissolve the jelly powder with ½ cup boiling water and allow to cool, but not set.
Mix yoghurt and cottage cheese and stir into the cooled jelly.
Pour over biscuit crumbs and refrigerate for 3 hours or overnight.
Serve cold with fresh fruit.