To factor $ 20jk-10j+6k-3 $ we can use factoring by grouping.
Group $ \color{blue}{ 20jk }$ with $ \color{blue}{ -10j }$ and $ \color{red}{ 6k }$ with $ \color{red}{ -3 }$ then factor each group.
$$ \begin{aligned} 20jk-10j+6k-3 &= ( \color{blue}{ 20jk-10j } ) + ( \color{red}{ 6k-3 }) = \\ &= \color{blue}{ 10j( 2k-1 )} + \color{red}{ 3( 2k-1 ) } = \\ &= (10j+3)(2k-1) \end{aligned} $$