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require "/home/path/to/ma/files/$_fileName.conf";

use strict;
my ($sth, $_mad);
...

my $_madFile = $_mad->{name};
use MA::$_madFile;

my $_madFile = 'MA::' . $_mad->{name};
use $_madFile;
# AND I've tried it this way:
use "$_madFile";

$_cardCharged = MA::$_madFile::chargeCard();