Harjanto, A.M. and Yusup, A.K. 2026. FINANCIAL DETERMINANTS OF INVESTMENT DECISION-MAKING IN FRAUDULENT SCHEMES WITH SCAM AWARENESS AS A MEDIATING VARIABLE AND RISK TOLERANCE AS A MODERATING VARIABLE. International Journal of Economics, Business and Accounting Research (IJEBAR). 9, 4 (Jan. 2026). DOI:https://doi.org/10.29040/ijebar.v9i4.18483.