Analytical approximations are used to clarify the effect of Larmour radius on rf ponderomotive forces and on poloidal flows induced by them in tokamak plasmas. The electromagnetic force is expressed as a sum of a gradient part and of a wave momentum transfer force, which is proportional to wave dissipation. The first part, called the gradient electromagnetic stress force, is combined with fluid dynamic (Reynolds) stress force, and gyroviscosity is included into viscosity force to model finite ion Larmour radius effects in the momentum response to the rf fields in plasmas. The expressions for the relative magnitude of different forces for kinetic Alfven waves and fast waves are derived.