We're dividing 196938 by 20 
We want to divide 196938 by 20.

Let's proceed to step 1:
1 divided by 20 is 0 with a remainder of 1.
Put 0 as the next digit of the answer. 
Result so far: 0.0
If we take 0 away from 1, we end up with 1.
Fetch the next digit (9) from the dividend, attach it to 1 and continue: 19 / 20

On to step 2:
If we divide 19 by 20, we get 0 and a remainder of 19.
Use 0 as the next digit of our solution. 
Result so far: 0.0
If we subtract 0 from 19, we get 19.
Append the next digit (6) from the dividend to 19 and continue with: 196 / 20

Moving on to step 3:
20 can be fit into 196 9 times, resulting in a remainder of 16.
Use 9 as the next digit of our solution. 
Result so far: 9.0
If we subtract 180 from 196, we get 16.
Grab the next digit (9) from the dividend, add it to 16, then carry on: 169 / 20

Moving on to step 4:
The number 20 fits into 169 8 times, leaving a remainder of 9.
Put 8 as the next digit of the answer. 
Result so far: 98.0
Subtract 160 from 169 to get 9.
Include the next digit (3) from the dividend after 9, then repeat: 93 / 20

Advancing to step 5:
20 goes into 93 4 times with a remainder of 13.
The next digit of our result is 4. 
Result so far: 984.0
The remainder is 13 after subtracting 80 from 93.
Grab the next digit (8) from the dividend, add it to 13, then carry on: 138 / 20

Advancing to step 6:
20 can be fit into 138 6 times, resulting in a remainder of 18.
The number 6 becomes the next digit in our result. 
Result so far: 9846.0
If we subtract 120 from 138, we get 18.
Since there are no more digits in the dividend, we add a zero to the remainder making it 180, and continue the process.

Going ahead to step 7:
180 divided by 20 is 9 with a remainder of 0.
Write down 9 as next digit of the result. 
Result so far: 9846.9
If we take 180 away from 180, we end up with 0.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

Let's proceed to step 8:
The number 20 fits into 0 0 times, leaving a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 9846.9
The remainder is 0 after subtracting 0 from 0.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

On to step 9:
20 goes into 0 0 times with a remainder of 0.
The next digit of our result is 0. 
Result so far: 9846.9
If we subtract 0 from 0, we get 0.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

In conclusion, the division gives 9846.9 with a balance of 0.0.