In the first process, the area of each smaller square is $\frac{a^2}{n}$, and the area of the circle that is cut from each smaller square is:
\[
\text{Area of each circle} = \pi \left( \frac{a}{2\sqrt{n}} \right)^2 = \frac{\pi a^2}{4n}
\]
Thus, the total area of circles cut from all the squares is:
\[
\text{Total area of circles} = n \times \frac{\pi a^2}{4n} = \frac{\pi a^2}{4}
\]
The total area of scrap cloth in the first process is:
\[
\text{Area of scrap} = a^2 - \frac{\pi a^2}{4} = a^2 \left( 1 - \frac{\pi}{4} \right)
\]
In the second process, the area of the single circle cut from the square is:
\[
\text{Area of circle} = \pi \left( \frac{a}{2} \right)^2 = \frac{\pi a^2}{4}
\]
The total area of scrap cloth in the second process is:
\[
\text{Area of scrap} = a^2 - \frac{\pi a^2}{4} = a^2 \left( 1 - \frac{\pi}{4} \right)
\]
Thus, the ratio of the total scrap cloth generated in the first process to the second process is:
\[
\text{Ratio} = \frac{n(4 - \pi)}{4n - \pi}
\]