public function getUserPaymorrowCountry( $sCountryId = '' )
    {
        /** @var oxCountry $oCountry */
        $oCountry = oxNew( 'oxCountry' );

        $oCountry->load( empty( $sCountryId ) ? $this->oxuser__oxcountryid->value : (string) $sCountryId );

        return $oCountry->oxcountry__oxisoalpha2->value;
    }