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Mysql info - select * from mysql.user yields:
host = localhost user = root password = (none)
...
host = %          Db= Loader  User=apache select=Y ...
host = localhost  Db= Loader  User=apache select=Y ...
host = 127.0.0.1  Db= Loader  User=apache select=Y ...

grant select, insert, update, delete
on Loader.*
to testuser@localhost
identified by 'testpass';

$database = "Loader";
$hostname = "localhost";
...
$password = "testpass";

$dbh = DBI->connect("DBI:mysql:$database:$hostname", $user, $password)