Giving young women small, regular cash payments can reduce their dependence on sexual relationships with older men, which also lowers their HIV risk, according to a new study by the World Bank. Malawi's southeastern Zomba district, where the survey took place, has high rates of poverty and HIV - up to 22 percent, compared to a national prevalence of about 12 percent - but the study found that 18 months of cash transfers, with or without conditions attached, decreased the participants' risk of HIV infection by 60 percent.