We argue that the interplay between disorder and phase fluctuations can explain many of the phenomena observed in disordered thin superconducting films. Disorder and magnetic field give rise to the formation of “superconducting islands”. The magnetic-field-tuned superconductor-insulator-transition (SIT) is a percolation transition of inter-island phase-coherence. The huge magneto-resistance peak is due to the competition of transport through the SC islands and coulomb blockade. The thickness-induced transition is due to scaling of the phase stiffness with film thickness, and Tc enhancement in parallel fields is due to surface-roughness-enhanced phase fluctuations.