We're dividing 940972 by 20 
We want to figure out the number of times 940972 can be divided by 20.

Step 1:
9 divided by 20 is 0 with a remainder of 9.
Use 0 as the next digit of our solution. 
Result so far: 0.0
If we take 0 away from 9, we end up with 9.
Fetch the next digit (4) from the dividend, attach it to 9 and continue: 94 / 20

Going ahead to step 2:
If we divide 94 by 20, we get 4 and a remainder of 14.
Use 4 as the next digit of our solution. 
Result so far: 4.0
Subtracting 80 from 94 leaves us with 14.
Include the next digit (0) from the dividend after 14, then repeat: 140 / 20

Step 3:
If we divide 140 by 20, we get 7 and a remainder of 0.
The number 7 becomes the next digit in our result. 
Result so far: 47.0
Deduct 140 from 140 and we're left with 0.
Include the next digit (9) from the dividend after 0, then repeat: 9 / 20

Advancing to step 4:
20 can be fit into 9 0 times, resulting in a remainder of 9.
Record the quotient 0 as the next digit in the result. 
Result so far: 470.0
If we subtract 0 from 9, we get 9.
Grab the next digit (7) from the dividend, add it to 9, then carry on: 97 / 20

Advancing to step 5:
20 goes into 97 4 times with a remainder of 17.
Write down 4 as next digit of the result. 
Result so far: 4704.0
If we subtract 80 from 97, we get 17.
Take the next digit (2) from the dividend and append it to 17, then repeat: 172 / 20

Going ahead to step 6:
If we divide 172 by 20, we get 8 and a remainder of 12.
The number 8 becomes the next digit in our result. 
Result so far: 47048.0
If we subtract 160 from 172, we get 12.
Since there are no more digits in the dividend, we add a zero to the remainder making it 120, and continue the process.

On to step 7:
When dividing 120 by 20, we get 6 with a remainder of 0.
The next digit of our result is 6. 
Result so far: 47048.6
Subtract 120 from 120 to 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.

Moving on to step 8:
20 goes into 0 0 times with a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 47048.6
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.

Advancing to step 9:
When dividing 0 by 20, we get 0 with a remainder of 0.
The next digit of our result is 0. 
Result so far: 47048.6
Deduct 0 from 0 and we're left 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.

In conclusion, the division gives 47048.6 with a balance of 0.0.