Please explain the derivation of formula to determine determinant. e.g., to calculate determinant of why do we first multiply $a_{11}$ and $a_{22}$? Why not $a_{11}$ and $a_{21}$? Also why do we then take the difference of the cross products , and not the sum?
derivation of formula to determine determinants
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Consider the system $$\eqalign{ax+by=r\cr cx+dy=s\cr}$$ Multiply the first equation by $d$, the second, by $b$, and subtract the second from the first to get $$(ad-bc)x=rd-bs$$ and thus $$x={rd-bs\over ad-bc}$$ provided $ad-bc\ne0$. This is as good a reason as any for defining $$\det\pmatrix{a&b\cr c&d\cr}=ad-bc,\qquad\det\pmatrix{r&b\cr s&d\cr}=rd-bs$$
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You have got it the wrong way. Actually you should first have asked question why do we multiply rows with columns in matrices? Why not rows with rows? What is the use of determinants? How do you think you will derive the formula? We don't even know what a determinant is!
The answer is that the whole topic matrices and determinants were developed to help us in other topics. We defined them this way. You are taught that$$\det\pmatrix{a&b\cr c&d\cr}=ab-bc$$
Better truth is $$ad-bc=\det\pmatrix{a&b\cr c&d\cr}$$
The term $ad-bc$ appears in so many contexts that we write it in this way.
Ultimately, the determinant represents a volume. To be specific, the determinant of an $n \times n$ matrix is the (signed) volume of the $n$-dimensional parallelepiped spanned by its row vectors. For a $2 \times 2$ and perhaps even a $3 \times 3$ matrix, it is relatively simple to check that the determinant formula does indeed yield this volume.
Keeping this definition in mind, let's look at a $2 \times 2$ determinant with row vectors (a, b) and (c, d).
Can you see why the area of this parallelogram will be $ad - bc$? If you're stuck, this graphic might help: