We show, using a Bogoliubov-de Gennes (BdG) mean field theory, that the loc
al pairing amplitude Delta (r) becomes highly inhomogeneous with increasing
disorder in an s-wave superconductor. The probability distribution P(Delta
) is peaked about the BCS value at low disorder, but with increasing disord
er, progressively develops into a broad distribution with significant build
up of weight near Delta approximate to 0. At high disorder, the system is
found to form superconducting "islands" separated by a non-superconducting
sea. Surprisingly, a finite energy gap persists into the highly disordered
state in spite of many sites having negligible pairing amplitude and is und
erstood in detail within the BdG framework. Once the pairing amplitude beco
mes inhomogeneous, the role of quantum phase fluctuations becomes crucial i
n driving a superconductor-insulator transition at a critical disorder. The
insulator is unusual as it has a finite gap for all disorder strengths in
marked contrast to the Anderson insulator in non-interacting systems. We tr
eat the phase fluctuations within a self consistent harmonic approximation
and obtain the superfluid stiffness as a function of disorder, which agrees
well with our earlier quantum Monte Carlo studies.