You must divide 124 by 31 to get the answer, which is 4.
To check your answer, multiply 31 by 4, and the product will be 124.
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Imagine instead that your equation is (124/10) * (31/10), or, all things being commutative in multiplication, (124 * 31) * (1/10 * 1/10) = (124 * 31) * (1/100) = (124 * 31) / 100. Multiply the first term, and you get 3844. Once you divide from there, you get 38.44.
22 x 31 = 124
124
744
These all equal 124: 1 x 124, 2 x 62, 4 x 31