It is very hard for them to get loans. Paying in cash or getting vendor financing from the seller (particularly if they are extended family/kin) is common. Most

It is very hard for them to get loans. Paying in cash or getting vendor financing from the seller (particularly if they are extended family/kin) is common. Most migrant communities in the US (and outside) have parallel banking systems (for example, there is a completely separate Chinese banking system in the US...this is a function of domestic Chinese banks not having huge operations outside China, it is more common for migrants to deal with branches from their home country though). I would also be somewhat cautious talking about Serbia. Everyone can accept that neither side covered themselves in glory. Let's just leave it there.