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\begin{array}{l}\phantom{20)}\phantom{1}\\20\overline{)196}\\\end{array}
Use the 1^{st} digit 1 from dividend 196
\begin{array}{l}\phantom{20)}0\phantom{2}\\20\overline{)196}\\\end{array}
Since 1 is less than 20, use the next digit 9 from dividend 196 and add 0 to the quotient
\begin{array}{l}\phantom{20)}0\phantom{3}\\20\overline{)196}\\\end{array}
Use the 2^{nd} digit 9 from dividend 196
\begin{array}{l}\phantom{20)}00\phantom{4}\\20\overline{)196}\\\end{array}
Since 19 is less than 20, use the next digit 6 from dividend 196 and add 0 to the quotient
\begin{array}{l}\phantom{20)}00\phantom{5}\\20\overline{)196}\\\end{array}
Use the 3^{rd} digit 6 from dividend 196
\begin{array}{l}\phantom{20)}009\phantom{6}\\20\overline{)196}\\\phantom{20)}\underline{\phantom{}180\phantom{}}\\\phantom{20)9}16\\\end{array}
Find closest multiple of 20 to 196. We see that 9 \times 20 = 180 is the nearest. Now subtract 180 from 196 to get reminder 16. Add 9 to quotient.
\text{Quotient: }9 \text{Reminder: }16
Since 16 is less than 20, stop the division. The reminder is 16. The topmost line 009 is the quotient. Remove all zeros at the start of the quotient to get the actual quotient 9.