Good day, Genadi!
You have asked this question to the ambassadors of the study programme "International Business" and not "International Finance and Accounting", so if you have any specific questions about the programme, feel free to ask them here: https://www.intosaxion.nl/nl/opleidingen/international-finance-and-accounting/
Generally, I can say, though, that many people are fairly disciplined, but you should keep in mind that many Dutch students are quite "chill" regarding studying behaviour. I cannot answer the discrimination question, as I am Dutch/German myself, but I have not heard anyone talk about it before, so I am hopeful everyone is doing alright. As for the language, the official language in the Netherlands is Dutch. In school, everything can be done without knowing any Dutch and outside Saxion, most people speak English, too. Of course, knowing some Dutch would enhance your experience, but it is definitely doable without.
I hope this helps. Feel free to ask further questions under the link above, if you have any!