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\begin{array}{l}\phantom{20)}\phantom{1}\\20\overline{)195}\\\end{array}
Use the 1^{st} digit 1 from dividend 195
\begin{array}{l}\phantom{20)}0\phantom{2}\\20\overline{)195}\\\end{array}
Since 1 is less than 20, use the next digit 9 from dividend 195 and add 0 to the quotient
\begin{array}{l}\phantom{20)}0\phantom{3}\\20\overline{)195}\\\end{array}
Use the 2^{nd} digit 9 from dividend 195
\begin{array}{l}\phantom{20)}00\phantom{4}\\20\overline{)195}\\\end{array}
Since 19 is less than 20, use the next digit 5 from dividend 195 and add 0 to the quotient
\begin{array}{l}\phantom{20)}00\phantom{5}\\20\overline{)195}\\\end{array}
Use the 3^{rd} digit 5 from dividend 195
\begin{array}{l}\phantom{20)}009\phantom{6}\\20\overline{)195}\\\phantom{20)}\underline{\phantom{}180\phantom{}}\\\phantom{20)9}15\\\end{array}
Find closest multiple of 20 to 195. We see that 9 \times 20 = 180 is the nearest. Now subtract 180 from 195 to get reminder 15. Add 9 to quotient.
\text{Quotient: }9 \text{Reminder: }15
Since 15 is less than 20, stop the division. The reminder is 15. The topmost line 009 is the quotient. Remove all zeros at the start of the quotient to get the actual quotient 9.