Table:
immigrant owner
canadian-born owner
total

kbi firms
other firms
kbi firms
other firms
kbi firms
other firms

percent

credit from financial institution
12.3
37.7
22.0
45.9
19.3
44.0

personal financing
77.6
83.5
88.4
81.4
85.4
81.9

retained earnings
11.3
15.7
9.3
12.6
9.8
13.3

trade credit from suppliers
3.1
17.3
6.8
20.0
5.8
19.3

leasing
4.3
13.4
7.9
12.7
6.9
12.9

government grant or lending
4.5
4.1
5.9
6.0
5.6
5.6

friends or relatives
16.1
17.7
10.7
15.6
12.2
16.1

angel investors or venture capital providers
6.6
2.8
5.8
2.7
6.1
2.7

Statement: kbi start-ups are much less likely than start-ups from other industries to use debt financing from formal financial institutions.
Question: which type of start-ups is much less likely to use debt financing from formal financial institutions? start-ups from other industries or kbi start-ups?
Answer: kbi firms