What exactly is KI?The way I have it setup is:
SD:/roms/mame/kinst/kinst.chd = for the chd file.
and
SD:/roms/mame/kinst.zip = for the rom file.
or basically put the chd file in a folder with the same name and put the zip outside that folder.
and when it comes to loading it boot the rom.zip not the chd.
(just don't rename the rom or chd)