I'd probably try something like this (untested):

#!/usr/bin/perl -w

use strict;

use IO::File;
use Text::CSV_XS;

{
  my $fh = new IO::File ("<$path/$database")
             or die "Can't open file: $!\n";

  my $csv = new Text::CSV_XS ({ sep_char => '|' });

  while ( my ($a,$b,$c,$d,$e,$f) = @{$csv->getline($fh)} ) {
    if ( -1 != index($s, $d) && -1 != index($r, $e) && -1 != index($m,
+ $f) ){
      print "$b\n";
      if ($c eq "Y"){
        print "$a - tal\n";
      } elsif ($p eq "Y"){
        print "$e";
      }
    }
  }

}
[download]

I used index, since it's faster than a regex, generally, and you seemed to be simply searching for a substring, not an actual regex. Also, Text::CSV_XS is XS (compiled C) which is usually quite fast (faster than Perl, at any rate).

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Update: As merlyn pointed out recently, index need not be faster than a regex (thanks for pointing that out, blakem).

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[ ar0n -- want job (boston) ]