Tabungan Bersama Sejahtera Mart
An independent cooperative that manages member savings into staple goods sold below market price.
Spiritual Foundation
TBSmart exists as a collective business vessel rooted in compassion for all living beings, where every step is always aligned with the guidance of the Qur'an and Hadith.
"The best of people are those who bring the most benefit to others." — HR. Ahmad
The logo essence reflects TBSmart's spirit through three main symbols:
Upward Arrow
The determination to keep moving forward and achieve success.
Growing Plant
Potential development and sustainability that bring blessings.
Supporting Hand
A commitment to strengthen one another, care, and provide real support for collective progress under the noble spiritual values of TBS.
How It Works
A simple mechanism that benefits all members.
Save
Members deposit savings as cooperative capital. Every deposit is recorded transparently and securely.
Managed
Pooled savings are used to purchase quality staple goods at the best prices.
Profit Share
Sales profit is distributed monthly (nisbah) at an 80:20 ratio — 80% to members, 20% to the cooperative.
Our Values
Principles that guide every step of TBSmart.
Trust
Every member's funds are managed with full responsibility and transparency.
Fairness
A proportional and transparent profit-sharing system for all members.
Togetherness
All members are cooperative owners. Profits are enjoyed together.
Sustainability
Building long-term sustainable economic independence.
Ready to Join?
Become part of an independent cooperative that provides real benefits to its members.
Contact Us